milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2016 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services failed to send my billing statement after purchasing my loan from XXXX, if you google 'complaints against carrington mortgage ' on just one site you will see a heading of XXXX complaints about this and foreclosing on people who had never been late. My loan is my Veteran 's Home Loan and I notified VA Secretary XXXX XXXX in XXXX, his staff advised me to contact you for help. I have attachments. It cost me {$35.00} to overnight my payment timely to keep them from pulling this stuff on me, XXXX dollars was for faxes. XXXX XXXX Veteran XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I charge large amounts, but pay off my balance in full every month. For the payment that was due XX/XX/XXXX, I made several payments using XXXX XX/XX/XXXXbill pay function, as I do every month ( as I have several accounts that I pay my American Express bill from ). The last payment of {$3000.00} was made on XX/XX/XXXX to be delivered to XXXX onXX/XX/XXXX. On XXXX XXXX, I was notified from XXXX that the payment they sent came back as undeliverable. I immediately went on to the XXXX site, paid the {$3000.00} in full and then started a customer chat with XXXX. They told me they could do nothing about the situation until the next bill was issued. I tried the chat again on XXXX XXXX and was connected to XXXX, who was of no help and told me he could do nothing to assist me before even understanding my situation. I asked for a supervisor and was connected to XXXX. She seemed to understand the situation and asked me to upload my documents to prove my story. I did so via the link provided. I heard nothing back, so tried the chat again on XXXX. I went through all of these details and asked them to review my upload. They told me the case was closed and I would be charged over {$100.00} in interest. I then got on the phone and proceeded to fight with the customer service representative XXXX for over an hour. I repeated my story and asked to speak to a supervisor no fewer than 5 times. After placing me on hold repeatedly and refusing to get a supervisor, she told me the case was closed and that they could not help me. Only after 30 minutes into the conversation did she finally investigate my document upload and tell me they never received it. I asked to upload it again and demanded a supervisor. This took another 15-20 minutes, and she told me all supervisors were busy. I uploaded the documents again and received a case number of XXXX. I told her that I would hold all night and wait for a supervisor. She then finally said that she would " endorse '' a supervisor call but they would have to call me. I have heard nothing. I ca n't get an email address or phone number to reach anyone other than the basic customer representative, so I reached out via XX/XX/XXXX. I explained my situation AGAIN and they sent a canned message to contact them via chat. Any time I asked for a supervisor phone number or emai, they just kept sending this same message. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I need assistance in obtaining a HAMP modification through my bank Wellsfargo. I am currently 30days behind in my mortgage. I reached out Wellsfargo and requested a loan modification back in XX/XX/XXXX. They stated I was denied for the loan modification due to my income. When I purchased my home back in XXXX I was working for a facility called XXXX in NJ. I was making XXXX per hr. The facility I work for was bought out by XXXX due to the buy out they laid off all the XXXX employees. I was laid off for 1 yr. I was not able to find work so I went back to XXXX XXXX and they rehired me at XXXX per hr. Recently I received a raise to XXXX per hr. I did receive assistance thorugh a state program XXXX. They paid my mortgage for 2 yrs. As of XXXX I took over the payments of my mortgage and been struggling to pay the current monthly payment of XXXX. I reached out to Wellsfargo for a loan modification and sent in all my information and received a denial. I understand that there is a program out there call HAMP that I would like to be considered for and I do not believe that Wellsfargo ever placed me into. I need your assistance in getting Wellsfargo to assist me in obtaining a loan modification under the HAMP assistance program. I am only 30 days benind in my mortgage payments and Wellsfargo has thrented me with forclosure proceedings if I do not become current in my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX  I filed bankruptcy in  XXXX  case number   XXXX  . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: After moving from my address in XXXX, NY I was locked out of my online account with USAA and was unable to view anything to include bills, balances or available credit. USAA has reported these accounts late when in all fact I was unable to see the account to determine when the bill was due, I was also unaware that they were n't still taking the balances out of the checking account on file, which was another USAA product. 
USAA reported me 30 and 60 days late on the following accounts XXXX - 30 days late in XX/XX/XXXX - XXXX - 30 and 60 days late XX/XX/XXXX/XX/XX/XXXX XXXX - 30 days late XX/XX/XXXX, the address on file for this account is n't even mine so I have no idea where the actual bill for this account went. 

The issue is ALL my business was with USAA to include checking, savings, car and life insurance and credit cards so when I was unable to access any of the accounts, everything should have been still set up with automatic payments. USAA closed my checking accounts and never notified me by phone or email and all attempts to restore my online access was stretched out and not resolved for over a year. These are inaccurate markings on my account and it appears as if USAA took payments when funds were available but NEVER informed me when funds were not available. I have so much respect for USAA and have tried on many occasions to resolve this as these inaccuracies are negatively impacting my credit. I even sent a goodwill documents asking them to resolve this and have been met with nothing but them stating this is accurate, however what USAA has not acknowledged is that all bills were electronic and when they restricted my access they prevented me having access to those statements. They have incorrect addresses on file and never responded to request to explain where these statements were sent, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: THERE ARE INQUIRES ON MY CREDIT REPORT THAT SHOULD BE REMOVED AND AS NOT BEEN DONE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had refinanced my loan with 360 mortgage but they keep reporting negative information to the credit bureau, the loan was paid in full before it was 30 days delinquent. Yet they keep reporting that it was late and it has dropped my credit score by XXXX points. I have called them numerous times and they say to dispute the charge through the credit bureau. I have done this twice. The first time the issue was fixed, then all of a sudden they reported that the account was late again so I have to dispute a second time. When I call them they offer no assistance even though they know they reported the information incorrectly. I need this issue resolved as my good credit is being damaged by lazy credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (I do not know) with Admin Recovery, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: this number has continued to call me since i have received this number XX/XX/2015 ... they are looking for someone name XXXX ... on XXXX XXXX, 2015 at XXXX XXXX central time the number that states admin recovery at XXXX called asking to speak to this person, i advised the woman asking that she had the wrong number and not to contact my home again ... there soon after she called back on a toll free number at XXXX at XXXX stating " is that her, '' then not saying anything else ... i advised again that they had the wrong number and not to call back ... again on the XXXX XXXX, 2015 they called again from XXXX at XXXX i answered and no one spoke, i told them i was on the " do not call list, '' and that i would be putting in a complaint if they continued to call back ... XXXX, 2015 at XXXX they called back, i did not answer ... i figured answering the phone would help since i have beenreceiving annoying and harassing calls since the XX/XX/2015 with complete voicemails looking for someone i do not know and does not live here in my residents ... i would really appreciate if they did not continue to call ... thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: The credit card company was unable to accept my form of payment. I submitted copies of my bank statements to show proof of funds. I was unable to obtain another method of payment until recently and paid the full amount of the account. I since spoke to an account representative who had no record of receiving my bank statements and the conversation I had with the account representative who stated there would be no issues with credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MD).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I am filing a complaint regarding Amazon.com and Chase Bank. I have been an Amazon Prime member since early XX/XX/XXXX. Ive noticed in transacting my last four purchases with Amazon in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), Ive subsequently received a letter in the mail from Chase bank stating that an Amazon Awards Visa card application needed additional details before it could be further processed. I do not now nor have I ever had an Amazon Visa card nor have I ever applied for one through Amazon or any other company or lending institution. I reached out to Amazon customer service who informed me that I needed to contact Chase as the account was to be opened with them. I contacted Chase three times when I received the first three letters. Chase informed me that someone applied for the card using some of my information but didnt have enough to fully process it. I informed Chase that I did not apply for this card and wanted them to put some fraud or flag mark on the application process if the attempt happens again. Needless to say Chase informed me they could only send me an information packet on protecting my credit which is laughable considering the data breaches that happen very regularly across the country which affects consumers no matter how diligent they are in guarding their credit. This is a major issue that I would like investigated further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: As of the date my mortgage was modified, I have made my payments on time. The mortgage company stated my payments were late XXXX 2011 until XXXX 2011. Their reasoning is because my payment was short of the amount required. They paid my taxes. Therefore, the payment increased. However ; they did not notify me under separate cover the payment would increase. I continued paying my required P & I. The amount short was the escrow amount. The error was not discovered until I called to set up additional automatic withdrawals. This error caused a negative reporting to the credit bureaus. A request was made, in writing, to reverse the reporting. They refuse. How can they report an escrow account as being late?

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Sunrise Credit Service, f rom NY, has been calling my home for a month a dozen times a day beginning at  XXXX   XXXX  until  XXXX   XXXX . On three occasions I have answered the phone and explained to the debt collector its not my debt of {$67.00}?? to  XXXX   XXXX   XXXX . My name is the same but wrong address ( lived at my current address for the past 16 yea rs ) an d I have never ordered anything from this company. The second time I spoke with a collector I was told my name and phone number would be removed from the call list and then again at  XXXX   X/XX/2017    they called again. Sick and tired of my phone ringing all day and being harassed for a debt that does not belong to me! Their tactic must be to harass everyone with the same name until someone cries " Uncle '' and pays up to stop the phone calls.

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 02-08-2017 about Credit reporting () with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have repeatedly asked for nuisance collection accounts on my credit report to be removed, but they are refusing to do so under some arbitrary policy. The accounts are worth {$12.00} and {$51.00} respectively. Both are insane amounts and should n't be used.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Payoff process

Complaint: Gentlemen : I have a Union Bank Visa credit card and had been making automatic payments of {$100.00} per month for several years. My current balance is {$2500.00}. 

Recently there has been some management reorganization and restructuring and now they will only allow XXXX options. Either pay off the full balance or make only their minimum required payment of about $ 55/ month. I wanted to pay {$150.00} per month and get out from under this debt as quickly as possible. 
" No way '' according to them!!! 

This unethical practice effectively extorts maximum interest dollars from all of the bank 's credit card holders.. I have other credit cards and every one of them allows me to select my monthly automatic payments. 

I have called the bank many times and talked with many bank supervisors and they all say that these XXXX options are the only ones allowed. I just got off the phone with their Customer Advocate and was told that they are not breaking any regulations and their XXXX options still stand. It still smacks of greed and extortion to me. 
I would appreciate some help for both myself and all the thousands of other XXXX Bank Visa card holders. 

What they are doing is definitely unethical and constitutes the highest level of greed. 
This practice needs to be stopped immediately. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have filed a complaint before about Nationstar Mortgage. Those issues have n't been resolved, but this is about a related one. It is not a complaint as such. I had n't received a monthly statement for some time from them and have been sending my payments nonetheless certified mail based on the monthly amount from their correspondence. They have sent me email information but I ca n't access it. They said it was because I did n't have XXXX, and I am sure my computer is not very up to date. I do n't use computers that much ( though I could access your information from my previous complaints, so I am not sure what 's what ). I had a computer expert look at this and he said that the file they sent is corrupted ( not sure what that means ). They also sent other emails which have a " no reply '' feature on them so I ca n't do much with that. I am leery of doing financial transactions online because I have had important data stolen in the past ( this may be due, again, to my low-grade computer technology ). To complicate matters, I have a law suit against the XXXX XXXX and I have had my delivery suspended. When I do get mail I invariably do n't get certain pieces. I believe I am getting all my mail now but I am not sure. I am very concerned about the information Nationstar sent me because for many months I was getting different amounts to pay from different sectors of their company. And my escrow account was being changed almost monthly. I made a request a while ago to be able to see the data they use to make their computations. But I have gotten no response to that. I have {$25000.00} in savings and can document it. So I am not a person that 's trying to get out of payments. And I have excellent credit and do n't want it impacted. I am using a new email so that maybe I can avoid these technical issues.

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 Experian Information Solutions Inc. (NY).
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: Accounts remain un-verified and or innacurate ....

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