milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2015 about Mortgage (FHA mortgage) with Norwich Commercial Group, Inc. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I have had the same mortgage payment since purchasing my home in XX/XX/XXXX. In XX/XX/XXXX I received a mortgage payment statement increasing my payment by about {$300.00}. When I attempted to call the lender it took three days to get in touch with anyone. Finally I was notified by the lender that I was sent an escrow analysis ( which I did not receive by mail ) and they have found there was an error made and for the past two years they have been not charging me enough PMI and now I owe the difference for the past two years, therefore significantly increasing my monthly payment. I can understand small increases due to insurance or taxes, but because of an " error somewhere '' I am now unable to afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (ME).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit card () with U.S. BANCORP (CA).
Issue: Transaction issue

Complaint: XX/XX/2016, a merchant processed an unauthorized charge on my US Bank personal Visa card in the amount of {$270.00}. 
I happened to be travelling abroad on business so I did not notice this charge until my return XX/XX/2016. My account has been previously paid off with no outstanding balance. 
When I called US Bank credit card customer service XX/XX/2016, I opted to pay the balance in full by phone and dispute the transaction with the merchant rather than initiating a dispute with US Bank. The representative assured me that there was no negative impact on my credit report by doing this. 
The merchant opened a case ( case # XXXX representative name XXXX ) to investigate the charge and once that was completed, XXXX XXXX refunded the amount back into my US Bank credit card. The charge as well as the refund currently appear on my credit card transaction details. 
Placing a late payment because of an unauthorized use of my card contradicts the fair reporting act and is causing me a significant financial hardship.

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 03/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/31/2017 about Debt collection (I do not know) with Focus Holding Company (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX received 11mos of payments from XXXX XXXX XXXX for 6mos. Tenancy from XXXX XXXX/XXXX/XXXX. According to office print out from XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX  manager XXXX XXXX, signed Mutual Recission of Lease with tenant XXXX XXXX XXXX XXXX XXXX. Tenant was XXXX unit had termites and other insects that were n't being treated. Tenant has print out from XXXX and on their print out showing payments. Email states after move no debts owed per XXXX XXXX. Third party collection company has been harassing me about debt affecting credit score claiming court case. Never served no knowledge of case. XXXX filed for eviction 2mos. After I moved out of state. I have movers XXXX and storage receipts from XXXX. I had reasonable accommodation for rent amount and emergency move due to harassment by XXXX XXXX, my home care aide witnessed. They would n't accept doctor report wanted me to remove my clothes for pictures. I felt threatened and helpless. XXXX followed. Unit already failed inspection recission already signed. I was terrified!!

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT     XXXX   'S   SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND   XXXX   'S USUALLY ARE BROKEN

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 09-05-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX We contacted XXXX at Wells Fargo after we received the escrow analysis. She said someone would call us. 

XX/XX/XXXX Doc enclosed-I visited the City treasurers office to find out about the taxes being paid. They said all taxes for XX/XX/XXXX were paid in full. Next year 's annual tax will be {$2100.00} Which we pay in 2 installments so in XX/XX/XXXX we should pay {$1000.00}. The escrow analysis said we had to pay {$1800.00}! {$800.00} too much. No wonder they show our excrow account short funds! 

XX/XX/XXXX at XXXX I contacted XXXX in the Tax Dept. ( No help ) XX/XX/XXXX we faxed 7 pages of tax info to XXXX XXXX. -Got one sentence saying they 'd look into it and get back with us. 

XX/XX/XXXX I had emailed Wells Fargo on their site about the problem and got a response from XXXX XXXX Mortgage Online Customer Service that said they had forwarded our question to Customer Care and Recovery specialist who would be contacting us.. 

XX/XX/XXXX Wednesday @ XXXX this was the PM I got from them on XXXX Hi, XXXX. Your concerns have been assigned to XXXX. Please expect a phone call within the next 24 hours. If you need any additional support, please reach out to me. Thanks. ~XXXX  I wonder if it 's the same " XXXX '' as the XXXX XXXX that contacted my husband at XXXX XXXX and never picks up. Monday or Tuesday ( XX/XX/XXXX or XXXX ) both my husband and I tried to call him back with no response. XXXX We have received 3 automated letters saying they are working on it. 
What took me one day to figure out has taken them over a month!

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 02-08-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.

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 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I disputed accounts that were reporting incorrectly on my credit report. After the investigation was completed. I received an updated report from Equifax showing the accounts had been deleted. Well 2 days later all the accounts that were disputed and removed were placed back into my account. Also all my closed student loans that have been consolidated were placed back on to my report as individual accounts. I called the credit reporting agency and was told I need to dispute the items all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid for the purchase and balance of {$15.00} in XX/XX/XXXX. 

XXXX XXXX, XXXX did NOT credit my payment and charged late fee of {$29.00} I called and was told PAYMENT would be credited to account and late fee waived. 

I continued to receive statements showing more LATE FEES of {$39.00}, {$39.00}, {$39.00}, {$40.00}, and {$41.00} until the balance is at {$280.00}. 

XXXX 's charged off and sent debt to collection agency XXXX. 

I have faxed to XXXX 's on XX/XX/XXXX and emailed to XXXX on XX/XX/XXXX but have not received any response.

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 02-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I have called early XXXX to pay off this loan, however I needed to first find out why the balance I have in my records are my records show roughly 1800 dollar balance while prosper has a XXXX dollar balance. I need to know why and I've called several times trying to get this info and due to poor customer service I have not been able to get them to run an audit and make sure the balance is correct. This last call today the supervisor hung up on me and never called back ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MT).
Issue: Other

Complaint: HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it, it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So, my question is how can they possibly verify it if they have no information. It was removed from my reports for one day and than magically reappeared after the CEO received my email providing them with the details from my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recieved a letter from XXXX XXXX with XXXX XXXX Stating that i owe a debt for a bank account with Providian National Bank which ive never held an account with.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Mortgage (FHA mortgage) with WESTERN UNION COMPANY, THE (FL).
Issue: Application, originator, mortgage broker

Complaint: Paymap Inc. issued me a {$240.00} reimbursement check due to the practices regarding the Equity Accelerator Plan. I thought this was junk until I gave Equity Accelerator a call regarding adding their services back to my mortgage because I canceled it a year ago, that 's when I was informed by their automated system of the refunds. I went through old mail that I have to shred and found the check. The check is not valid so I am asking for Paymap to reissue the check. I called Paymap to reissue the check and was told the deadline was XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Consumer Loan (Vehicle loan) with DriveTime (AL).
Issue: Taking out the loan or lease

Complaint: XXXX 2013 I purchased a vehicle from Drive Time in XXXX, Al & the sales manager insisted I had to purchase a 5 year warranty at {$2800.00} to be financed at the 22 % interest rate on top of car price. I was also told that if I made payments on time & showed perfect pay history after a period of time like a year that DT Credit would re-fi this loan at a lower interest rate. After 18 months of perfect pay history I called & I was told this was a LIE!!!!. ALso I was informed it is illegal to make warranty mandatory. It should be presented as optional. Now I have finally found better finance at 7 % interest & asked DT Credit /Finance for payoff MINUS the amount of pro-rated warranty. DTCredit has a company called XXXX admin the warranty. I faxed them the paperwork for canceling the warranty & they informed me {$1800.00} would be credited to loan. BUT THE PROBLEM IS THEY ( DT CREDIT, LLC ) WILL NOT DO THIS TILL XXXX XXXX. The amount this difference makes is perfect for my new finance co but not without the {$1800.00} deducted. AS of today I have no warranty But DT Credit refuses to subtract this from payoff for 3 weeks. THIS SHOULD BE ILLEGAL but at the very least poor customer service. After speaking with every clerk in the office who took turns calling themselves a supervisor I was hung up on & on hold an hour. I was told that they can not contact upper management nor transfer me to XXXX XXXX, the president, CFO, CEO. I can not get my new loan financed till they take off the {$1800.00} warranty that is now canceled as of XXXX XXXX WHY should I wait till XXXX XXXX to get the actual payoff & HAVE to make XXXX MORE PAYMENT to DTCredit. THIS SHOULD BE ILLEGAL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Student loan (Non-federal student loan) with ACS Education Services (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a loan from a local credit union to pay off my student loans serviced through ACS. The Credit Union sent in the payoff money. The money was applied only to one of my 5 accounts, leaving payments due for XX/XX/2017. In the middle of XX/XX/2017, I called ACS and was told there was a huge surplus on one of my accounts, and that this surplus could be applied to the remaining 4 accounts. I checked and this did n't happen. I called ACS back and was told they could not apply the overpayment to my other accounts, forcing me to go into a forbearance request. They said it would take 30-60 days to receive my overpayment back, at which time I 'd have to make the payment to ACS myself. 
I am going to be very upset if I am charged any fees or dinged on my credit. How can ACS hold my money interest free and lie to me on the phone?

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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 started contacting them in  XXXX  concerning an entry of a bankruptcy. i sent a letter to clerk of courts office and was sent a letter saying this information belongs to someone else.  XXXX   stated they used a third party to verify information but my report has security freezes on them.so they are being untruthful and is only suppose to take 30 days to investigate and it is way beyond that time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is additional information, copies of invoice which were wrong doing within, referred to case number XXXX XXXX, I submitted to CFPB on XXXX XXXX, 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 11/16/2017 about Debt collection (Other debt) with Jim Bottin Enterprises, Inc (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I tried canceling my membership and have been running around in circles for almost a month now because I have been forced to be the middle man between them and their horrible billing company, ABC Financial. I did EVERYTHING the club asked of me to cancel, yet ABC has a completely different set of rules, which keep changing. The club says I am cancelled but ABC says I am not. They then make up new rules and claims and are trying to collect even more money and not closing my account. Customer service and management have not helped or followed up in a timely matter. As a consumer I have never been put in such a terrible position and I know many, many others have also had this problem. I would pay the extra money they now say I owe and therefore are refusing to close my account but I 'm afraid to give them credit card information or that I will pay them but continue to be charged, just like last time. Both I have requested a letter from both ABC Financial and XXXX stating my account is paid and closed and that has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is with GreenTree Servicing. I took out a mortgage with them in 2001 when I had a full time job. My interest level was 10 %. I no longer have a full time job. Over the years I have contacted them when my mortgage fell behind. There has never been much help just bandaids to the problem. I am now collecting Social Security benefits and do not work. I have attempted to get my interest rate ( 10 % ) lowered on numerous times but to no avail. The first time I applied for the MAKING HOMES AFFORDABLE PROGRAM, program I was told to submit the documentation and I did. I would get notices that I was missing documentation, etc. which was not true. If I called customer service to see where I was in the process I was told to contact the XXXX XXXX office. Finally after weeks I gave up and sent them a letter saying I was tired of it all and just gave up. Next time I attempted was about a year ago. Submitted everything, and never heard a word. Waited, Waited and Waited. Finally I called Green Tree 's XXXX number and spoke to someone who told me ( after I jumped through all the paperwork hoops ) that GREEN TREE did not participate in the program. So, another road block to get help with this mortgage. My mortgage was for 30 years. I still have 15 years left and I still owe almost as much as I started out with because of the outrageous interest rate. Are there any programs out there to help people in my situation? My loan payment is being eaten up by the interest and I do n't believe GREEN TREE treated me fairly when I tried over and over to get help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation