milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, I have an unresolved complaint with Chase that has been going on for over six months. Back in XXXX, Chase applied a mortgage payment to principle, without my permission. I have called dozens of times, faxed, emailed, and filed a complaint with CFPB. Chase has since charged me {$400.00} in late fees and says I owe them money for a mortgage payment that is short but this is not true and fraudulent. They took my payment and applied to principle. Despite my complaint, Chase has still not resolved the issue. Today, I am trying to make my mortgage payment by phone but Chase will not take it unless I pay them " the full amount withstanding '' which is the amount of the principle payment applied in XXXX. I made the payment using my bank today XXXX XXXX but it will not arrive by XXXX XXXX. I notified XXXX XXXX, the rep on this issue with Chase by phone about this predicament. I do n't want additional late fees and I should n't be charged anything more than my mortgage payment. This is formal complaint that Chase has billing practices that are abusive. This also serves as a record that today, using my XXXX XXXX XXXX of account I sent {$2200.00} for my XXXX mortgage and sent {$650.00} for XXXX payment. Chase sent me a letter in XXXX that I had {$650.00} in escrow so that is why I paid that mortgage payment that way.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.

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 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Hi my name is  XXXX   XXXX . I found some new information regarding my home and foreclosure process. In the  XXXX   Count  y Recorders Office I   noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on  XXXX   XXXX ,  XXXX  Book  XXXX  Page  XXXX . I dont know how Nationstar Mortgage , LLC  and  XXXX   XXXX , a  Law Corporation is   trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of  Default but put the property on sale without Notice of Default ?   I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for  XXXX / XXXX / XXXX  after checking some online auction sites they say my sale is active foreclosure. Im worried that Nationstar Mortgage, LLC my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners  Bill of Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I am the personal representative of my father 's estate and have power of attorney for my XXXX mother. My father passed away in XXXX, XXXX. He had a Capital One credit card account with a zero balance at the time he passed away. Apparently my mother was also listed as a card user. Several months ago I received a statement charging an annual fee for the card. I called the company and explained that my father had passed away and the account should be closed. I provided them with a Death Certificate for my father and Power of Attorney for my mother. They then sent me a letter that indicated I needed to provide them with additional information that I believe is an unfair practice. Their letter of XXXX XXXX, XXXX requested that in addition to the Power of Attorney that I provide them with my address ( which they have ), that I provided them with my Social Security number, that I provide them with a copy of a valid government issued photo ID, that I provide them my citizenship, that I indicate if I am a resident or non-resident alien, provide them with my employment status, that I provide them with the name of my employer, that I provide them with my occupation and that I disclose my annual income. None of this additional information has been required to open estate accounts or to close other accounts my father had. In the last statement they provided they had added late fees and interest charges to the annual membership fee. The apparently have taken my father 's name off of the account as the latest statement was addressed to my mother at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: While none of the other bureaus are reporting this information, TransUnion is reporting inaccurate information with regard to the Tax liens, which remain in my credit report. In accordance to the National Consumer Assistance Plan, inaccurate or incorrect tax lien information should not be reported.

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 01/27/2016 about Debt collection (I do not know) with Northwest Collectors Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe Northwest Collections {$0.00}. I have contacted them many times and disputed the collections on my credit reports and they have failed to remove the " collections. '' There were XXXX separate red light tickets that were paid directly to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( AD ASTRA RECOVERY ) twice under XXXX different account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: I want to express my frustration with working with Nationstar Mortgage { Mr.Cooper } as so its now called, in working with a Loan Modification on my subject property located in XXXX, New York. I 'm very certain that they changed their named to Mr.Cooper  because of all the lawsuits that they keep receiving due to mismanagement of files, and also for misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the situation of the client. 
My complaint has been going on with Nationstar for a while. It started years ago with with a simple request of a Loan Modification due to my default in XXXX XXXX XXXX. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried to contact them for an update, there is a different representative, not only did they not know what was going on with the file, but they could not find any updates, any documentation of my file. Most of the times they kept telling me that there was no current updates and that an account specialist will follow up with me and they never did. 
It is not my fault that I felt behind on my my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolution has been reached. I finally was able to execute a complete package, and have the correct income to qualify for my mortgage. I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis. My daughter is able to give me a contribution to assist me with the daily expenses we have in the property and for the family. All I 'm looking for is for HELP. 
Now, Nationstar has placed a sales date on my property and is for XXXX XXXX XXXX. I do n't understand why they have placed a sales date, when I been doing a loan modification to save my home, you have a complete package with updated information for a review, and you do not want to open a template for a review my loan modification for a possible solution, all you want to is sell my house on foreclosure auction unless if I can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have been " dual tracking '' my case. If I was in process of a loan modification, foreclosure should have been placed on hold until a review is completed. You are against the law at the moment for not opening my case for a loan modification, and forcing me to foreclose. 
I believe its just not fair that you ca n't even give me the opportunity to have my file be reviewed for a loan modification, to give me an opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted the company regarding apparent debt starting in XX/XX/2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SECURITY FINANCE CORP (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company Details : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Ref Person : XXXX Description of Incident and Identity Theft : I have a company named XXXX XXXX  in XXXX Texas who have sent me pre-qualified check without my notice and I didnt asked for to my old address, which was cashed by someone else on my name. It was reported to all three credit bureau by the company XXXX XXXX  under my credit which is effecting so badly. 

I have already contacted the XXXX XXXX upon this 4 months back and the above incident happened in XX/XX/2017. Till now the incident is not cleared from my credit and company is deliberately delaying the entire process. I still dont trust this company. I need some help in dealing with this XXXX XXXX 


I request you to take action against this company due to the following reasons : 1. I have never asked them to send me a prequalified check/check without my notice. 
2. No financial company sends directly a check to cash a loan under any circumstance without prior information to the person.

3. They have used some this script tracing to find my current address and contact which is illegal.

4. Upon all these also they are not responding properly I think this is a fraud company who collects personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NH).
Issue: Managing the loan or lease

Complaint: On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been complaining about this company and their servicing of my student loans for years! Please add me to the list of people who deserve to be rewarded for having to deal with them. They have caused me a great deal of pain over the years and it continues to this day. Thank you for finally protecting the consumer. I believe I would be an excellent person to testify against Navient/XXXX. Please contact me if it is possible to be a part of this lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Called around  XXXX  or  XXXX  to do a 70 % settlement

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Medical) with NRA Group, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I noticed this debt for {$860.00} and will like more information on the debt to resolve the problem and remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a phone call at my employer from portfolio recovery on XX/XX/XXXX at XXXX. I told them that I work at a XXXX and it was very unprofessional to call me here. I asked them put my employers phone number on their do not call list and asked them to not call my employer again. On XX/XX/XXXX at XXXX I received another phone call from them at my employer 's and then another phone call from them on XX/XX/XXXX at XXXX. I took a picture of the caller Id showing both of these violation calls. I called them back on XX/XX/XXXX at XXXX and told the rep that I have received another phone call from them and he said that his notes show my request for my employer 's phone number to be removed on XX/XX/XXXX and that I should not be receiving phone calls to this number. He acknowledged the XXXX violations from the company and gave my his supervisors name and phone number.

Company response to consumer: Closed with non-monetary relief