milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
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: Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!

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 04-04-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My oldest son started school in 2012. At that time, we took out our first Direct Plus loan, and were assigned to Nelnet to service our loan. Since that time, I have been making monthly payments in an attempt to stay on top of my loans ( we took out a new loan every year, to help my son pay for college ). I recently discovered that Nelnet breaks up my payments each month in a way so that they only ever pay interest. Unless I specifically log in and make a manual payment every month, they will continue to do this. Even when I have logged in and made a specific payment towards a specific loan, they still apply all of the payment to the loan 's interest. The only times they have ever applied any payment to principal is when the payment was made within 120 days of the original disbursement of the loan ( which they have to do by law ). Even when payments were made within 120 days of a loan 's second disbursement, they applied it to interest instead of the loan citing that it was more than 120 days from the loan 's original disbursement date. So, even though I 've been paying on these loans for 5 years at this point, I 've hardly paid any principal off at all, as they break up every payment in such a way that it never touches the principal on any loan. I have XXXX children, and I 'd like for them all to be able to go to college, but how am I ever to get out of debt if they never apply any part of any payment I make to the principal of the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquires on my credit report from this company. I never authorize for them to pull my credit. I do not have a installment or any loans with this company. This company is reporting more than four times on my credit report. This is damaging my credit rating and I am in the process of buying a house. This company doesnt have a number to contact which I tried to on several different occasions on google website.

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 11/24/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX i was contactacted by XXXX XXXX about two accounts i had in collections. Ispoke with XXXX XXXX about taking care of the accounts. He told me he had a settlement offer for me. I said i didnt want to take a settlement if they were going to report to the credit Bureau that i paid less than the full balance. He told me if i set up payments and made all the payments on time he would report to the credit Bureau i paid balance in full. All payments were made on time and I fulfilled my end of the agreement. XXXX XXXX has now reported to the credit Bureau that i settled for less than the full balance. I contacted them on XX/XX/XXXX and ended up speaking with operations manager XXXX XXXX, who told me that i made a settlement and that their representative had miss spoke about the agreement that was made. XXXX refused to listen to the conversation that we had and repeatedly told me i was wrong. She stated multiple times that the representative had not worded the conversation properly and refused to help me. I specifically told XXXX that i didnt want to do a settlement if they would report that i paid less than the full balance. He assured me that he would report i paid in full. He talked me into taking the deal by misleading me in their end of the agreement. Exactly what he told me wouldnt happen did. XXXX XXXX refuses to live up to the agreement made and now refuses to help resolve the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ROCKFORD MERCANTILE AGENCY, INC. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Rewards

Complaint: I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Us Bankruptcy  XXXX  I went to the courts they have nothing matching my social security. They could n't give me proof because they do n't report to the credit bureau. They told me they could not help because they do n't have any record for 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 explanation
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Carrington Mortgage. On XX/XX/XXXX I made my payment for the XX/XX/XXXX pmt. Carrington Mortgage held my funds in suspense for over 20 days not applying ti to the regular monthly mortgage payment on my acct which is current. As a result a Notice of Intent to foreclose was sent as well as billing statements threanting to foreclose. However my account was current and has always been current. If they would have applied by funds on XX/XX/XXXX to my XX/XX/XXXX payment no notice of intents or bad billing statements would have been sent. This week on XX/XX/2015 they sent me a letter however it failed to mention why they were holding my funds, it didn't address the notice of intent or billing statements.

On numerous recorded calls Carrington Mortgage attempted to collect on the payment they were holding in suspense. Then after realzing they were holding the funds they simply would say "I dont know what happened and why they were holding my payment in suspense".  Its not right for them to put me thru this as this is my kids home and its simple you cannot attempt to collect on a debt thats not owed and my XX/XX/2015 was not owed as they had it applied to my suspnese account. Additionally they said they cant help the fact that the notice of intent was sent as it was system generated. if thats the case How many other customers are being affected by their inadequate processes and procedures? Very concerning and I beleive they owe me for what they put me and my family thru.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is a Auto loan Listed on my Equifax credit report for XXXX XXXX XXXX aka XXXX XXXX account number XXXX which is an account I have never placed with them. They placed it there in error I was told by XXXX and they told me to dispute it with credit bureaus but took no action themselves to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: To Whom It May ConcernI was a student XXXX at XXXX College XXXX, California XXXX XXXX XXXX XXXX XXXX shut down without any notice while I was enrolled as a student without any notice in XXXX 2015. I have found out that XXXX College has secured XXXX loans on my behalf from following lenders ; 1 : Genesis Lending XXXX in the amount of {$50000.00} : XXXX in the amount of $ XXXXBoth of these loans were taken without my knowledge and now lenders are asking for the repayment. I was still enrolled as a student while the College shut down and have not completed the program. I do n't have a job and ca n't repay the loan. 
I kindly request that an action should be taken against the college and lenders should be paid by college. This matter has causing me a lot of XXXX and I have to answer the inquiries about by these lenders over phone. Lenders have been sending me the statements and I requested them to stop but they have suggested I should file complain at Consumer Finance. 
Please feel free to contact me if there is any information needed. 

Sincerely, XXXX XXXX XXXX

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 02-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Money was not available when promised

Complaint: I did a financial money transaction via paypal and the funds have not been credited to my account. Paypal claims that they did not correspond with me via email that prompted me on XX/XX/2018 to ship my personal laptop computer to buyer internationally to XXXX XXXX they claim all correspondence with paypal is fraud while Im out of a laptop valued at {$280.00} selling price advertised via XXXX and the payment transaction was suppose to occur via paypal which did not occur. Also I was prompted via email from paypal to ship merchandise produce a tracking number, submit tracking number and funds would be instantly funded to my paypal account the funds is currently pending and the fraudulent emails are consistently demanding more funding.i already shipped the item to be purchased without a credit to my paypal account as the invoice was drawn up for it to be funded on submission of XXXX tracking number. XXXX tracking # XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Dear Consumer Finance, I am filing a formal complaint against Citibank for failing to honor the {$400.00} Promotion Bonus after keeping {$15000.00} opened in an  approved checking account for consecutive 30 days. This promotion is similar to what is described at this URL : XXXX XXXX XXXX Around XXXX timeframe, I received a targeted offer from Citibank to open a new checking account, and deposit {$15000.00} to qualify for this bonus. During the ensuing months, I experienced difficulties opening my account and funding the account with {$15000.00} within the 30-day requirement. However, I made multiple calls to Citibank to ensure that I can still qualify for this promotion, and every time a different CSR agent assured me that my account has been setup and coded for the promotional offer. I was further informed that as long as I keep the money in the account, I should receive the {$400.00} bonus 3-months after I qualified for this promotion. Around XX/XX/XXXX, I followed-up with Citibank again and inquired on my missing bonus cash. The response was that I should be receiving the bonus soon. I waited again until yesterday on XXXX XXXX XXXX, and called Citibank and inquired again on getting a resolution to my missing {$400.00} bonus. I was informed that my account was setup properly and coded for the promotion, and the agent will open a case to have researched done.
Upon checking my Citibank Message Center today on XXXX XXXX XXXX I received a response to my inquiry dated for XXXX XXXX XXXX stating that my account has been disqualified for the {$400.00} bonus. The reason was that I did not fund my account within the required 30-day period. However, during the initial account setup, the CSR agents I spoke with stated that they will extend the promotion and that my account will qualify.
Please assist with obtaining resolution to this on-going issue with Citibank. This bank should honor what they have promised their customer. This bank has weaseled out of  paying their customer for the promotion they ran, and tied up a significant portion of my cash investment without earned interested. Thank you for researching into this complaint.

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 ACRANET INC (AR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX my address is XXXX .those names you have on my report is not me XXXX, and the address thats in XXXX ark every live at that address. that not me please remove off my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Chase sent me an email stating that a payment was due. When I clicked on the link and logged into their site, it showed I had two cards each with a balance of {$0.00}. 

After the second time I received this email and attempted to pay, I called them and was told that I do not owe any money to Chase that all of my accounts show a {$0.00} balance. 

When I received a letter in the mail I called them again and after spending 45 minutes on the phone being bounced around to several departments I was told I have a balance on a closed account of ( approximately ) {$2500.00} and that they had charged late fees. 

I told them I felt this was shady as they wanted money from me but would not show me my statement. As of this date, about 4 weeks later, they still have not made my account information available on their website or sent an up to date statement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

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 10-04-2015 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm being sued by XXXX XXXX for an outstanding debt they tell me I owe and I 've been unable to fight back. I am XXXX XXXX and I was ran over. I now have a judgement and lien on me because these lawyers won in court because I was n't represented. I am sick! Oregon Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment of {$2000.00} was wired to Nationstar Mortgage on XXXX XXXX, 2015. My bank has confirmed the payment was made and received by Nationstar. Due to an incorrect account number keyed in Nationstar was n't sure where to apply the payment so they have said they returned the {$2000.00} to XXXX Bank. I have made numerous calls to XXXX Bank and as of XXXX XXXX, 2015 they have been unable to locate the money so have requested I ask Nationstar that they provide me the routing and account number of where the refund was sent. Nationstar does not seem to be able to or does not want to provide that information. After over XXXX in coming and out going calls and XXXX months later there is still no resolution. However, in the mean time myself and husband have been sent to collections over a payment that was made and received by Nationstar. I have always prided myself on making timely payments and keeping my credit in good standing. At this point I am frusterated and am not sure what else to do. I suggest you go to Nationstar victims or Nationstar bandits take a look at their XXXX reviews its very apparent I 'm not the first victim here. 

If needed I can provide very specific information of the people I 've spoken with at Nationstar, email correspondence records as well as in 5 days I will have from XXXX Bank copies of the XXXX way calls between Nationstar, XXXX Bank and myself. XXXX Bank has told me they have never delt with a mortgage company that is as difficult to deal with as Nationstar. 

Lastly in the " attachments section '' I have attached a time line letter I have sent to someone else who I 've reached our for help as well.

Company response to consumer: Closed with explanation