milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has once more failed to administrate my loans with any competence and it 's beginning to feel like I have been singled out, perhaps because I have already filed complaints. It definitely feels like discrimination. I have XXXX loans with Nationstar Mortgage that XXXX have current complaints filed and now I have the following information from my insurance agency that Nationstar paid the insurance on my primary home # XXXX correctly in the amount of {$770.00} however on my investment property # XXXX they also paid {$770.00} for a premuium rrather than the correct amount due for that policy of {$310.00} and mailed XXXX check to the for the total to the insurance company. When contacted they informed me that I would be responsible to pay the correct amount and to obtain a refund from the insurance company. Since they have the money for the insurance that I have been paying, it is incredible that they expect me to come out of pocket with additional funds when they know they have already drained my savings by not notifying me of an increase in the amount of both payments for several months, then billing me a large lump sum last month and effectively ruining my credit. The next step will be that Nationstar will no doubt be billing me for a shortage that they. created in the escrow account on # XXXX. No other lender has ever bungled my accounts in such a manner and I find it hard to believe that this is not deliberate and effective retribution for filing complaints. 
Following is the email from my insurance agent stating that Nationstar would not correct the issue. XXXX XXXX sent out a cancel notice for non-pay on " XXXX XXXX XXXX XXXX '' ; policy # XXXX. 
I called NationStar on Monday to find out if they have sent payment yet. They said they did and the check cleared on XXXX/XXXX/16. I requested a copy of the disbursement voucher as well as a XXXXCancelled check. Just got that this morning. 

NationStar is also the mortgagee on " XXXX XXXX XXXX ''. XXXX policies have effective dates of XXXX/XXXX/16 And XXXX sent separate bills for XXXX. NationStar paid XXXX but on the voucher which I have attached they listed The policy number the same and paid {$770.00} for XXXX. " XXXX XXXX XXXX '' premium amount is {$310.00}. 
When XXXX received the check they thought they were both for the XXXX address. 
XXXX applied XXXX to that property and then refunded you the overage. 

NationStar will not pay again on the XXXX property so I need to collect {$310.00} from you. 
Policy is in cancel status so please send as soon as possible. You will have a shortage on your Escrow account for XXXX because of NationStar 's mistake. 
Call me if you have any questions. 
XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX XXXX Fax

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX  XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (WI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company made a robotic call indicating they were calling about a package delivery and asked me to press XXXX '. I pressed XXXX ' and learned that they were trying to get in touch with a former friend with whom I have not spoken in several years. I explained this to them and asked them to remove my number from their records. She said that she would not this since it is listed as the number for " the defendant ''. I asked her for her company 's info and she hung up on me. I had to call back XXXX additional times to get the information. XXXX XXXX yelled at me repeatedly and told me she would be contacting " counsel '' about this. When I asked for name/contact info for this individual, she refused. I am sending them a cease & desist order, the representative told me that would not stop them from continued calls to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with Financial Credit Service, Inc. (AZ).
Issue: Other

Complaint: XXXX XXXX XXXX called me this morning prior to XXXX XXXX. Threatened to obtain another judgment in XXXX XXXX, TX on behalf of XXXX Bank. I advised the collector that I never had a XXXX Bank account. She said " oh yes you did '' and again threatened to obtain another judgment against me. There is no judgment from XXXX Bank on my credit report and I have never been advised that I had a judgment against me. XXXX can not threaten to obtain another judgment. They can not re-age a debt and they can not threaten to sue on an out of statute account. Yet the collector threatened to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MI).
Issue: Trouble during payment process

Complaint: In febuary I entered into a loan modification period with Ditech mortgage company. The first payment was due XXXX/XXXX/XXXX. We made the first payment on XXXX/XXXX/XXXX for the XXXX XXXX due date. The second payment on XXXX for the XXXX payment, the third payment on XXXX for the XXXX payment, XXXX payment on XXXX for XXXX payment, XXXX payment on XXXX for XXXX payment. Soon after we made the XXXX payment, ditech sent us a letter stating our modification was finalized and we were due on XXXX XXXX. We already paid XXXX 's payment on XXXX. They did not apply our payment made on XXXX for XXXX. They charged us twice for XXXX month. We paid XXXX on XXXX and they also charged us again for XXXX after the finalizing of he modification and did n't consider the payment we had just made. It seems it had just gotten lost in the process and no one looked closely enough at our account to adjust for the payment we made. We continued to make a payment on XXXX payable for XXXX, but they are saying we are a month behind now and charging us late fees. 

I have called 3 times and have been argued with and finally after the XXXX time, the person named XXXX, stated that I was right and confirmed with the supervisor that I was correct. His explanation was that no one had looked closely at our account and it definitely needed to be fixed. They requested an audit the end of XXXX. I am continuing to get late notices and it does n't appear to be resolved. Can we please have help on getting this resolved? 

It is extremely urgent this is cleared up, because they have taken {$1200.00} of our money and will not apply it correctly or return it to us. 

I 've attached a photo of the payments made from our bank account. A copy of the trial modification letter with schedule of payments to be made, and a copy of the finalized modification page showing payment amount due on XXXX for {$1200.00}. We already made that payment on XXXX due on XXXX for XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for and received a mortgage modification. However, the amount that my lender acquired to finance my modification far exceeded what I believe to be appropriate for my loan. As a result, I am repaying approximately twice what I calculated necessary for gap financing. I am seeking relief in the form of a determination of what was actually required to bring my previous loan current, and an adjustment of my loan to reflect that amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: My bank ( XXXX XXXX XXXX ) sent a SEPA payment of XXXX Euros to Coinbase on XX/XX/XXXX and one SEPA payment of XXXX Euros on XX/XX/XXXX. Coinbase stated that the name of my coinbase account was not the same as my bank account so said they would return the funds. They said these funds will be returned back to the sending bank within 1-2 business days. 
My bank advised me that these funds have not been returned. After providing Coinbase with additional payment details to make a SWIFT Payment on XX/XX/XXXX, may bank still stated they have received the funds. 
On XX/XX/XXXX, I received an email from XXXX at Coinbase to say that payment have been reversed. Again my bank has no evidence that these funds have returned. 
On XX/XX/XXXX, I had further discussions with my bank. They stated Coinbase need to provide the XXXX of the returned payment to they can investigate the payment from our end to try to locate it and get it returned. 
I have had no response from Coinbase since XX/XX/XXXXCoinbase case ID 's are XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with TD BANK US HOLDING COMPANY (MO).
Issue: Closing/Cancelling account

Complaint: THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/26/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: T o whom it may  concern Dear  Sam club and  synchrony bank I  XXXX   XXXX  want to tell you and inform you that I am not happy with your decision of lowering my credit limit I did not authorized you to do so. But you still went ahead and keep on dropping it  Lower  and lower every time and that unacceptable. I do n't agree with ur decision. You did not contact me to talk about it. Or mail me until when you took your own decisions and never contacted me to see my options. S o fat I been g ood and keep making my payments I understand have used almost all my credit limit but hey I 'm still paying you every month so I think regardless you should not have lowered my limits. Twice already the first time I met it go bit this is insane you done it again. I want an explanation?. Why did you took that decision without consulting me. I did not wanted you to lower my limit or keep lowering it down please stop doing it. It does n't give u the permission for you to keep doing it at the end I 'm making my Payment. So what 's the problem.??? I never aut horized or accepted from you to lower down my limits. I mean I 'm still paying it even if I still used my card u still getting paid monthly payments even of its the minimum amount im.still your client. I do n't agree and would like to ask you to put all that  money back. I never agree with ur decision. It make me feel rejected left behind and at some.point discriminated. Dissapointed. I do n't want to ask for an increase now because my score is a bit lower than what it was before but regardless of my credit history and score. It should affect me since I agreed to the terms and conditions of this credit card under contract. Now you understand that if I do ask  XXXX  club synchrony bank they might denied me, but this should even had to happen why did you lower it in the  1st p lace. Even if I 'm making just Tue minimum payment im still paying u.   Please fix this mess. And give me back everything like my credit limit was before  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 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
The items XXXX XXXX and XXXX XXXX XXXX, are duplicates of the XXXX account being reported on my credit report. This double jeopardy '' The same account school loan account is reported multiple times, this is a FCRA violation. '' I am requesting that the items XXXX XXXX and XXXX XXXX XXXX be deleted ( or request another specific change ) to correct the information. 
Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) supporting my position. Please re investigate these matters and delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Highlighted section of credit report that identifies the duplicate accounts

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hello I am extremely concerned about a closure of my accounts from Chase. I am not sure if this is a mistake or some misunderstanding but I am very confused to what exactly is happening. On Friday XX/XX/XXXX I went to purchase XXXX medications for my parents and I was unable to make this purchase. I called chase and after 2 hours on the phone I was told that my accounts were closed due to some concerns the back-office had on their end. I was not called about this, I was not given any notification of the closure, nor was I told why this was happening. 

Let me state that I never ever missed a payment on any of my cards and paid these accounts in full. My credit report will show no delinquent payments ever on any of my cards. I was initially confused by the closure however I have reason to believe that Chase may have acted inappropriately and illegally in this manner. The week prior to the closure ( XX/XX/XXXX ) I informed chase that I would be buying gifts for friends and family for XXXX. I did my due diligence and informed Chase was informed of this uptick. Most of my spending was done at the local mall, XXXX, and XXXX XXXX XXXX  XXXX. Less than 6 days after this phone call all my accounts were closed. I had made no other contact with the bank, my purchases were in-line with my normal spend pattern, and chase had no reason to suspect any illegal/suspicious activity ( since I had told them what I was buying ). The only new information chase had at this time was my religious affiliation. 

I called up and down chase 's telephone tree and recieve no concrete response as to why. On XX/XX/XXXX I  called the compliance office and I was told by an individual named XXXX XXXX that " Chase is a multi-million dollar corporation and we dont make mistakes '' Wow! He refused to look into what happened and refused to transfer me to a supervisor. I learned today that this is the same department that went through with the closure. If this is the level of disdain an individual is working in the regulatory department at the bank, what guarantees does anyone have that laws have not been broken? I offered chase a criminal background check for work and offered to show ability to pay - however they refuse to change their decision or even conduct a proper review. Chase records these calls at all times. 

I do believe this is a violation of Equal Credit Opportunity Act. Let me also add that chase refuses to provide additional information into the closure - simply stating that they have the right to close an account at any time and do not have to provide a reason why. This doesnt hold true if laws are being broken. Let me also add that chase has been accused of predatory practices to minorities in the past as early as this year. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Everything started between XXXX and XXXX. We bought the house in XXXX XXXX. We paid for an inspector to come out and inspect the home. He said everything looked to be good. He said the previous water damage has been fixed and it was not. He lied to us about the whole thing. When we called the housing inspector he said he was bonded and licensed so we called the insurance company that he had and we were getting the run around. We hired an attorney and he proceeded to file the correct documentation. He filed a lawsuit against the gentleman and his insurance company. The gentleman had documentation he was covered under the insurance. When our attorney turned in our documentation showing the inspector had insurance the inspector said he did not have insurance when he inspected our house. When that happened the insurance company denied the claim. When he did that he also filled bankruptcy, we were not allowed proceed any further because the claim was denied by the insurance company. We could not sue the inspector because he filed for bankruptcy. 
At that time I continued to call my current mortgage company, XXXX and explain the situation. They told me I would need to pay 20 % of the home value to be able to have the PMI dropped. I explained I could not do that because I did not have the funds for the PMI to be dropped so we could fix our house correctly. They told me, that there was nothing they could do until I paid the 20 %. And the mortgage was transferred to a different company. Every time we requested to have the PMI taken off we were transferred to a different mortgage company. Each time it was changed I proceeded to call the company multiple times and they would tell us there is nothing they could do for us. It has gone on until today. I believe this is now the XXXX mortgage company in 9 years. I have paid my 20 % on my loan. And still to this day they still have not dropped the PMI. I am still paying over {$820.00} a month on a mortgage loan of {$74000.00} with the PMI at {$260.00}. My mortgage is paid down to a balance around XXXX when I paid a lump sum of {$6000.00} in XXXX to bring my mortgage down to the 75-80 % mark to be able to drop the PMI. My mortgage is down to about the 70-71 % mark now. And I have paid about {$8000.00} now on my PMI. And we have never been late on a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: Upon learning of the Equifax breach I placed a credit freeze on my account for myself and my wife. This was relatively easy for XXXX XXXX XXXX, Equifax was very cumbersome for my and could not be activated for my wife 's. I guess my biggest question is why must a consumer be burdened with contacting the 3 bureaus independently? Why ca n't there be a one stop  method for initiating the freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have  XXXX  loans I have been repaying. When I looked at the details of the loans the disbursement dates, I realized I never took out loans that year nor was I in school. So I have been paying back loans I never even took out. There seems to be no way to ask loan questions in which i can get a straight answer from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Several unauthorized hard inquiries on my credit report on XXXX2016 that I did not authorize.

Company response to consumer: Closed with explanation