milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: 1. I purchased residential property at XXXX XXXX XXXX, XXXX, Georgia, XXXX on XXXX for $ XXXX 2. I did 10 % down payment and paid {$15000.00} by Cashier 's Check. 3. I was asked to pay Private Mortgage Insurance {$77.00} every month as I paid only 10 % down payment. I was given Private Mortgage Insurance - Initial Disclosure where in it states that when the principal loan amount is to reach 78 % of the Original value of the property, Automatic Termination of PMI would terminate. 4. The Amortization Schedule was given and when the Principal Balance reaches to {$110000.00}, this balance will be reaching 78 % and automatically PMI terminates. 5. Loan was modified by XXXX XXXX XXXX XXXX, and the additional agreement states under section D that all the terms and provisions of the Loan Documents remain in full force and effect. 6. On XX/XX/XXXX, my loan servicing was transferred to Nationstar Mortgage LLC and I was informed that nothing else about the mortgage loan will change. 7. Nationstar Mortgage on XX/XX/XXXX sent a Mortgage Insurance Annual Disclosure, stating that PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. 8. I reached 78 % of the original value of the property on XX/XX/XXXX. 9. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX that my property purchase price is {$150000.00} and the appraisal is {$150000.00} and my LTV is 77.67 % and automatic termination of the PMI would be XX/XX/XXXX. 10. Nationstar Mortgage LLC., sent me a letter on XX/XX/XXXX confirmed after reviewing the PMI Disclosure, the PMI will automatically terminate on XX/XX/XXXX. 11. XXXX Court reference to similar situation is referred that Mortage Companny can not calculate the PMI automatic termination date on the updated property value which in this case Nationstar Mortgage LLC., has taken the $ XXXX the transferred balance loan amount from XXXX XXXX XXXX XXXX , as property value. A huge mistake Nationstar Mortgage has done. Where as XXXX Courts say that the original value of the property only to be taken. I want Nationstar Mortgage LLC., to refund the excess PMI collected from me. My Nationstar Loan A/c No. is XXXX. Thanking you, Yours truly, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/2017 I paid XXXX to XXXX accidentally. I immediately called both chase and XXXX card service and they both said the money would automatically bounce back into my account. This has NOT happened. The transaction ID is XXXX. XXXX card services has already investigated this through the consumer financial protection bureau and says that chase is the one who should issue the credit. The initial consumer financial protection bureau is number is XXXX. Please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Other

Complaint: I paid a company called XXXX XXXX a total of XXXX between my Wells Fargo Visa and XXXX XXXX for services that were never provided. They were to teach us how to effectively sell on XXXX, set us up with drop shippers and create a website. All of this was with the promise that I would get my money back within one year. They never provided the website or any of the drop shippers. They did nothing to justify the money we paid. We had to pay another company for a website and do all of the stuff they promised through other companies. I was informed that I am unable to dispute these charges because of the time that has passed but I find that this is not an acceptable answer. This company has been paid a lot of money for nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit card () with CITIBANK, N.A. (PR).
Issue: Delinquent account

Complaint: On my credit report as of XX/XX/2016., I am still being reported by Sears as being 120 days ' delinquent in making payments to my account. 
However, when the first notification by Sears by phone that a payment was due, I made a payment in full. During that conversation, I explained that I have not received any notification ( Alert notification on the web site ) of any overdue payment or statements. The representative explained that there have been issues reported, and I was credited any late charges to my account. After that conversation, a Sears posted a past due payment on my credit report. In a conversation with sears, I found it to be in my best interest to close the account, of which I received a written confirmation on XX/XX/2016. 
Regardless, even after the account has been paid in full, and closed, sears are still reporting that my account is delinquent or 120 days past due. However, there is a zero balance, the account is closed, and in contacting them by phone did not provided me any resources to correct the issue.

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 04-06-2015 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THATS IT IM ABOUT TO LOOSE IT. I HAVE SENT THIS COMPANY A LETTER TOO STATING THAT THE INFORMATION THEY HAVE IS NOT RIGHT AND THEYS NEED TO STOP CALLING AND REPORTING THIS XXXX ON MY REPORT. I CANT HAVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: on XXXX XXXX, XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around the XXXX or so of XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from Experion, XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, XXXX of the reporting agencies asked questions about auto-loans I supposedly took out in XXXX of XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since the late XXXX 's! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
EXPERIONXXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. YOU ALL XXXX! 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Advertising and marketing

Complaint: I opened an account with Chase Bank XX/XX/XXXX and immediately after began to receive pre-screening offers for their XXXX and XXXX XXXX. XXXX of that year I requested a credit limit increase which required Chase to pull my full report. At the time that the report was pulled I had XXXX accounts which had been opened within the past 24 months. Chase granted the credit limit increase and continued to send the pre-screening offers for both their XXXX and XXXX products. From XX/XX/XXXX to XX/XX/XXXX I was sent an offer for the XXXX and XXXX cards once a week every week for the 8 months. In XXXX I decided to apply for the Chase XXXX and I was declined. The only reason listed on the decline letter was " Too many credit cards opened in the last 2 years '' which at the time was XXXX. I contacted Chase and asked them why they would send so many offers for the XXXX if they knew I had a high number of accounts opened in the last 24 months? They stated that its not their obligation to inform their marketing department of any information obtained from pulling my credit. I do n't think that 's right or fair. They pulled my report 8 months before and saw the number of new accounts yet continued to send me offers for a product I was n't unqualified for. Now I have to have the inquiry negatively effect my credit simply because they refuse to share information between departments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XX/XX/XXXX after numerous challenges including producting the payment history which showed no payments over 30 days past due, Transunion finally updated my credit report. This specifically deals with the way XXXX XXXX is reported. After over a period of at least 60 days, Transunion willfully and intentionally re-added XXXX late pays that I have been disputing for at least one year. I have produced payment history 's hired an attorney disputed it and disputed it now and again and again. Unfortunately, Transuion never gave written notice of the re-insertion of negative information of my report and as a result is in violation of applicable Federal and/or State Law including FCRA, FASTA, and any and all other laws. I am asking that you intervene and ask Transunion to remove all late pays as they have payment history 's in their file and further make clear to them that they can not re-add negative information to a credit report without notice to me. I have reviewed all letters from Transunion and can find no communication regarding this. Again, this violates Federal and/or State Law and means the negative reporting that they re-added must be removed immediately or they are subject to suit. If they should fail to remove it I am asking that the FTC and the CPRB immediately file an injunction against Transunion prohibiting this conduct not only on my report but on any credit report. This is outrageous that they are willfully and intenionally violating federal law even though I have told them this numerous times. 

If you need any other documents such as credit reports please let me know. I have them all. 
Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX deposited a check from me for {$88.00} on XXXX/XXXX/2015. On XXXX/XXXX/15, I received a collections letter from Transworld Systems for the same amount. XXXX has ordered collections for an amount that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Money transfer, virtual currency, or money service (Debt settlement) with Brelvis Consulting, LLC (NM).
Issue: Fraud or scam

Complaint: I have received multiple robo calls from  XXXX  Each time I am left a message or listen to a recording from   XXXX   XXXX   of Student Loan Help Center saying he has my application on file, and needs for me to call back so they can finish processing it and I can consolodate, have my student loans refinanced, or forgiven. Several weeks ago I called back and let them know I do n't have any student loans. I did not hear from them again until today ( several weeks later ) .I called back and left a message saying I 'd like to know how they can help me. I was immediately called by " an assistant '' who asked me if my loans were current. When I said I did not have any, nor had I ever had any student loans, she told me they must have my number by accident and abruptly hung up.
The numbers I have received calls from or called are :   XXXX     XXXX   XXXX  , CA a  XXXX  phone number   XXXX    XXXX , CA   XXXX     XXXX   XXXX  , CA

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 02/15/2016 about Consumer Loan (Installment loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX I engaged in a traded in with my XXXX Honda Civic at XXXX XXXX, because the car battery continued to fail. I was told by the dealer that in order to trade in the car I would need to commit to a new car to receive financing. At the time of trade in I was told that there were no more comparable cars on the lot, so I choose to finance a Honda Accord. I was informed that the monthly payments would be XXXX due to my history and score which was a XXXX - XXXX at the time. Because I was dependent on a car for work and personal responsibilities, I agreed reluctantly to finance this amount. As I struggled to make the payments, I 'd had spoken to Honda Finance regarding lowering my payments but was informed that it could not be done at the time. After completing a XXXX XXXX XXXX at XXXX XXXX and performing my own research thereafter, I realize I was a victim of discrimination as an XXXX XXXX women being manipulated to pay unreasonable high interest rates on a Honda Accord over the course of 6 years. I 've been struggling for close to 4 years not realizing the extent of this violation against me and felt that I was obligated to pay this rate due to poor credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (PA).
Issue: Application, originator, mortgage broker

Complaint: We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with them ). These documents include numerous bank account statements ( not from US Bank ), brokerage account statements ( not from US Bank ), and two years of tax returns. Included in the documents that they asked us to sign was permission to share information within US Bank and to contact us with solicitations. My complaint is that they will not delete my sensitive financial information that was collected under the false pretense that I might be eligible for a refinance with them. None of the sensitive documents were the basis of the denial for the loan. They had the information that I was employed for less than two years on day one and in the initial documents signed disclosing the fees. I do not think that they should keep my financial information on file that they justified collecting due to " human error ''. Note that they continued to request documents over approximately 7 weeks with numerous people looking at the information ; all when they had the information on the first day that the answer had to be " no ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was contacted in XXXX, through XXXX, through an alert that there had been a judgment placed against me for a tax debt dating back from 2006. This was the first notification of any debt and I promptly paid the owed amount, plus interest and penalties, as my credit has been perfect and wanted to keep it that way. Consequently, I asked the Transunion Company to investigate, because they put it on my credit report as a negative-Judgement, but it was over ( 10 ) years old and this was reported incorrectly by the reporting agency and should n't have been allowed to even be placed on my report? There was no notification of the debt, prior to it appearing on my report, I lived in Alabama for ( 3 ) short months in 2006 and paid state taxes-taken out of my check, while I worked there. How they filed my taxes for me and came up with this " derived '' estimate, is beyond me, but I paid it willingly, because I had no records to contest this amount. I paid it as soon as I was notified, even though it was over ( 10 ) years and I was provided no information from Alabama Department of Revenue, when I asked for it? The original amount of the alleged debt was {$330.00}, I paid them {$560.00} to satisfy the debt, as once again I had no records after ( 10 ) years to contest this amount. 
Under the FCRA, the debt was paid in full and is over ( 10 ) years old ( 2006 ), so it should not be able to be continued to be reported on my report. It has been illegally reported and kept on my report, even after I disputed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX tried to unfreeze credit record Co. claimed they could not find any record I have had credit fo 40 years and credit freeze for 10 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with Benjamin Chaise & Associates (NV).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (I do not know) with I.C. System, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt collect continues to report false information for a debt I do not owe.

Company response to consumer: Closed with explanation