milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have just talked to Seterus representative, and asked him the same questions. I understood that he could not provide me with the answer I wanted, except to go through this process. 
1. Question : why I am not qualified to pay property tax myself? I have been simply told that I can't - due to the home Affordable loan period. However, even in the company 's response on page 34, a Q & A page,  which reads : " Do I have to carry an escrow account on my mortgage loan? A : Your loan documents will determine whether you qualify for an escrow account closure. If you feel you qualify and want to request an account closure, please call us at XXXX. '' It seems to me that there is a way to close the escrow account for my loan. I need Seterus to  explain to me how and why I am not qualified to close the escrow, since it has been a problem from day one of this mortgage. I have been asking the same question from XX/XX/XXXX, 4 months passed I still do not have the answer. 
2. I was told again that the escrow account request is again increased this year, and I need to pay more into it, to have the account become prepaid. I do not understand why I have to be requested to prepay tax to the server of the loan, and the amount has been increased more than the tax increase. I felt it is just a way the company tried to punish me since I have chelanged the company. 
3. I am willing to pay the {$1600.00} for XX/XX/XXXX mortgage, according to the schedule that listed in the company 's answer, and additional {$76.00}, which XXXX said is due to the shortage of XX/XX/XXXX and XX/XX/XXXX ' original payments. These extra amount, should go to escrow account as a prepayment of the tax, as XXXX explain to me. Therefore, when the loan refinanced, the amount should stay in the escrow. Please waive all the additional fees and charges, since I did pay each month on XX/XX/XXXX and XX/XX/XXXX, and I also paid XX/XX/XXXX mortgage in XX/XX/XXXX. 
Thanks, 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 02/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.

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 09/20/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payments are in a post suspense balance as per poc/ as per pcn. My mortgage payments are not being applied to the loan. I have paid a partial payment a few times but I am current on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 11-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a certified letter to transunion over 45 days ago requesting verification of late payments and collection accounts. I informed them to send me documents that they have in their file as of date to verify the accuracy. Under the fair reporting act ,XXXX I have the right to demand all documents retained in their file. NO copies were ever sent. This is a violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). They did not mail evidence of the accuracy of my accounts on file within the 30 days. Unde the FCRA XXXX all unverified accounts must be deleted promptly. No copies of the verified information on file was sent to me in the 45 day period. Thats a violation of my rights. Just mailing a letter stating verified is not enough. I needed documents mailed to me from the files of all the late accounts or collection accounts. None were ever sent. Now I am demanding all account that are negative or in collections removed due to no verification documentation was mailed to 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 01/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Closed my credit cards out of the blue, after being a Chase card member for years. I have never paid my bill late and always pay off my balance. I paid annual fees on some of the cards they closed and they were not willing to refund my prorated annual fee. 
I went to use my card one day and it got declined, they could have at least called me or sent me an email to notify, but no they said they mailed me a letter. Well by the time I get this later it is too late, I had to find out my getting my card declined. This is outrageous. I was left high and dry without a way to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-01-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For some reason, XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. This is creating major issues for me such as higher interest rate, a lower credit score and rental application rejections for an outstanding balance owed. 
I disputed this account in XX/XX/XXXX on my XXXX  and XXXX reports to no avail. I also disputed directly with XXXX XXXX XXXX in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. 
I believe this account does not belong to me. I requested the documents from their files used to verify this account but all I received was a billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. 
Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. It is my contention that XXXX XXXX XXXX know that they can not tie me to this alleged account, otherwise they would have done so at my initial request. XXXX XXXX XXXX  is blatantly disregarding the law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I pay that account on time and on my credit report show the account stay open

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with U.S. BANCORP (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE  abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. 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 explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In regards to XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I made a settlement agreement with them last year for half, I sent them a valid check and they check was sent back stating the offer was longer good. I have submitted all necessary paperwork to the XXXX credit bureaus. This company continues to call me at all hours of the day and night. including XXXX to XXXX XXXX. They have called friends and relatives in other states and here in XXXX. They informed my brother about the debt, how much it was and threatened him with a lawsuit if he did not pay. Even though we have both asked them to send all corespondents through mail only and no more calls, they continue to do so. Today they notified myself, my brother and a friend, that we are all being sued, wages garnished and jail time, if I do n't pay. All these practices are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. 

Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a telephone bill listed with the credit agency 's that is more than 6 yrs. old. However the company ( Credit Management , L.P. ) listed the bill as being from XXXX. I contacted them through email and requested a statement so I could pay the bill. I received a 50 % OFF DISCOUNT OFFER. I chose to accept the offer of {$120.00} and mailed payment on XXXX/XXXX/XXXX. The original account was {$240.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX ). To date the XXXX credit agency 's have not removed the negative information. Credit Management gave me a Reference # XXXX which I listed in addition to the above number on the XXXX XXXX XXXX XXXX. The reason I am now writing is because all the other bills I paid that day have applied to my previous balances, credit card, XXXX XXXX, etc. etc. BUT I do not see the credit company 's reflecting payment and a closed account. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device and service at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest sprint store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with sprint because they referred it to a collections agency and told me they no longer were involved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: My mortgage was taking over by a bank in XXXX and someone reported it to the credit bureau for XXXX and I have document from the court stating it so, what can I do about it?

Company response to consumer: Closed
Consumer complaint received 02/25/2017 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX, I closed all of my accounts with Capital One 360 after it acquired ING Direct. Today, XX/XX/XXXX, I got a letter from Capital One telling me to log in and verify my account to continue to receive emails. This surprised me since I had closed all of my accounts. I called Capital One and spent an hour trying to find out what was going on until I finally got a supervisor who closed the account. However, when I asked to receive a written confirmation ( or email ) confirming the account closure Capital One refused to do so. I still have no confirmation that this account is closed, even though I have now closed it two different times. Apparently asking Capital One to confirm something is beyond their ability to provide, which is disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: I have been writing letters to this comp any for more than two ye ars. I 've made several request for this company to investigate, re-investigate, requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even   though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files docum  ents. Nothing at all.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Student loan (Federal student loan servicing) with Student Loan Processing Direct, INC (NV).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: the school dident do anything as promissed includding misleading me in job placement and lied to me and i beleave i should fall in the catorgory for forgivness

Company response to consumer: Untimely response
Consumer complaint received 12/15/2017 about Debt collection (Federal student loan debt) with United Student Loan Assistance Center (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a phone call supposedly from the dept of ed in regards to my student loans. I was told that my loans were past due and that it would affect my credit. I was also told that I could be eligible to make lower monthly loan payments based off of my income. The person who called knew all of my personal information. The rep helped me to set up automatic payments to be withdrawn from my account before it affected my credit further which we did. 4 payments were deducted from my account in the amount of {$160.00} for XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Turns out this money was never applied to my student loan balance at all but was a scam from a third party. I have contacted my bank to file a report which an investigation will be conducted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: My name is XXXX XXXX and my wife submitted a complaint regarding my Walmart Credit card on my behalf because she handles all the bills. I was receiving phone calls from Wal-Mart and let my wife know, but when she contacted them, the automated system advised that there was not a payment due until X/XX/17. A couple more days passed and I was still receiving calls so my wife and I called Wal Mart ( actually XXXX XXXX on b/o Wal Mart ) who advised that we had a past due payment that was due XX/XX/XXXX. Granted they were sending emails to me at an email address that I no longer use, however, I still feel that we acted in good faith by reaching out to Wal Mart. We spoke with XXXX on XX/XX/XXXX who admitted that the automated system was having issues, but that they sent us emails and letters. While I understand this, I still feel like there are so many ways to communicate nowadays, and my preferred method is to make a phone call, not read mail so much seeing I get so much of it and am on the go a lot, and any reasonably prudent person would not think that a reputable multi-billion dollar company such as Wal Mart or XXXX XXXX would not have an automated system that did not function properly. I have attached the automated system recording as proof that it provided inaccurate information to us. They have reported us to the credit bureau which we also plan to dispute as we are in the process of a new home purchase and things like this can potentially impact our credit.

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