milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am on XXXX and my truck is financed with XXXX. This payment is being paid by XXXX insurance that was sold to me when I bought my truck. Recently the insurance company held up my payments on the truck when I was switching doctors. When XXXX received the payments to catch it up, they applied one payment ( XX/XX/XXXX ) to the loan and the credit bureau is still showing that the XX/XX/XXXX and XX/XX/XXXX payment are past due. We have no idea what XXXX did with our payment and they wo n't fix or tell the credit bureau that we are current.

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 12/24/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: Bank appear to be posting pending transactions in the account of customers in a sequence that will incur a late fee for the bank. Maliciously sequencing the pending transactions. It might be a bank practice to increase bank profit. More customers might be suffering the same malicious practice. Within a few hours from the pay check being posted at Chase, the account became negative and the {$34.00} late fee was posted. It has happened in the past, time and sequencing of posting the fees started to intrigue me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit line increase/decrease

Complaint: Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am disputing XXXX, XXXX, and XXXX concerning lateness on mortgage payments. 
I do not have any idea on a loan I had with XXXX so more information from them is needed. 
XXXX became insolvent and was purchased by XXXX. My original loan paperwork stated that there could be no changed to the original document without my permission. XXXX unilaterally implemented escrow for taxes on top of my principal increasing the total amount by XXXX %. I disputed their authority to do this and continued to pay the originally agreed on principal shown on the mortgage. Several time XXXX returned my personal checks stating they could not accept personal checks. After a while I had my bank issue the payments since XXXX would not record receipt of my checks. For several months they continued to refuse accepting payments from my bank. I had to retain counsel to settle their claims but they did not notify the credit agencies to remove the negative comments they had submitted. One would think that XXXX would not have wanted my account if I were such a bad credit risk but they did BUT they " forgave the debt '' i.e. the months they did not accept premium payments and rewrote a new agreement including the " forgiven debt '' into the new agreement. Watch out when XXXX " forgives the debt '' because they notify the IRS and the IRS considers that as income which you will be taxed on. It cost me about {$30000.00} in legal fees to dispute XXXX plus the law firm I used did not advise me that there would be a tax consequence if a debt is forgiven. If I would have known that then I would have told my law firm to negotiate a better deal. Their forgiving the debt cost me another {$10000.00} due to the IRS so overall it cost me {$40000.00} because XXXX did n't honor the original loan documents.

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 05/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a on going problem with Nationstar Mortgage every since i started paying extra on principal. There latest is to cash my check for {$4400.00} on XXXX XXXX and as off to day have n't entered it on my account. I have called them the pass XXXX mornings to get them to put the {$4400.00} on my account. so what my phone calls to them have accomplished is they have change my online information from ( last payment of {$5800.00} was received on XXXX/XXXX/2015 Past due amount of {$14000.00} due immediately, Next payment due on Friday, XXXX XXXX ) to ( Last payment of {$14000.00} was received on XXXX/XXXX/2015, Next payment due on Monday, XXXX XXXX, 2015 ). The check for {$4400.00} that they cashed on XXXX/XXXX/2015 still has n't been accounted for. I 'm sure that my case is just the tip of the iceberg with this company. With my dealings with this company it is almost certain that they have criminally and knowingly defrauded their customers out of XXXX abound XXXX of dollars. With this being said I 'm sure they have defrauded the federal government out of a lot of money also. 
I think it is time for the federal government to step in and shut them down before they steal more money from there customers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Omni Financial Group, Inc (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Medical) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However, after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today, I was informed that the Financial Data Systems has responded to the dispute but had not deleted the account as agreed! I called Financial Data Systems and the representative stated that if I Paid {$75.00} they would delete the account within 4 Business Days! This is extortion and a violation of both Federal and State Laws!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XX/XX/2015 received a call at XXXXXXXXXX/XX/2015 received a call at XXXX, XXXX,XXXX,XXXXXXXXXX/XX/2015 received a call at XXXX XXXX, and XXXXXXXXAll calls were received from Ocwen financial about my mortgage payment . My payment is due on the XXXX of every month, however it is not considered late until the XXXX of the next month. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with FirstKey Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have tried to remove my PMI, and to no avail. After i was told that i need to pay for the appraisal so they can send in a representative they work with, they are now claiming that not only they will not be able to remove my PMI because my appraisal amount came back less then 1 % of where the loan to value is required. This is especially interesting since i have had an appraisal done on my house in XXXX 2015 and the appraised value came back over XXXX XXXX dollars more then the one their " representative '' appraised. The value of the homes in my area have gone up rather then down. Tho me it seems the banks are at it again. Stealing from the people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a letter in regards to items on my credit report that was not accurate. 

There is 1 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX/XXXX. XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX/XXXX. XX/XX/XXXX Please make the following corrections to my credit report. 
Thanks in advance

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 03-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MS).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: WE paid our account in full on XX/XX/2017. in XXXX I received an e-mail saying I a late payment. I called and they said I had signed up for paperless statement, which we did not. They could not produce a document where I said I wanted that. When they sent me a copy of my bills for XXXX and XXXX, I saw charges for XXXX dollars on the XXXX bill which I did not charge and an interest charge of {$7.00}. on the XXXX XXXX I was charged the {$19.00} and a fee of XXXX making a total of XXXX then I called this A.M and they said I owed XXXX which is more interest. I told them I would pay the XXXX just to get rid of the hassle and they said they could not delete the rest of that interest. I want them to go back and refund me that interest and fees that I do to owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/16/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Closing on a mortgage

Complaint: THE   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , AS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   AS TRUSTEE, FOR THE CERTIFICATEHOLDERS,   XXXX   XXXX  , MORTGAGE PASS- TROUGH CERTIFICATES SERIES Mortgage on  XXXX / XXXX 2007 with a loan amount of   XXXX   for 360 months at 7.250 % interest rate.
<P/>
Grievance Notice under Clause 20 of the Deed of Trust/Mortgage & 12 C.F.R. 1024.35 Loan ending in  XXXX  I am writing to report my grievances regarding the mortgage transaction involving my property.
<P/>
The grievances are as follows ; 1. Deed of Trust may be void, or avoidable in bankruptcy.
2. Fraud in creation of stated income, unconscionable debt ratio and inability to repay.
3. ECOA violation failure to take written application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage after my income was reduced because I was in real estate when the economy crashed and my income drastically decreased. I applied for a loan modification recently and I know I qualify for the Making Home Affordable Program after running my scenario through the online check my NPV web site it came up positive. I also hired an attorney to assist me with the process and they advise me that I qualify for the HAMP program. I am being told that the only reason I am being denied by Chase is due to the fact that Chase is refusing to accept a rate lower than 7.50 %. For this reason my loan is essentially being blocked from receiving assistance. My attorney states Chase can and should contact the investor or upper management to ask that the override that is evidenced by the " Y '' in box XXXX of my NPV chart ( Attached ) be removed on an exception. A rate of 7.50 % is excessive and to demand a modified rate of 7.50 % when the HAMP program offers assistance in subsidized rates as low as 2.0 % is truly excessive. I feel Chase only wants to take my home when I actually qualify for the HAMP program. I am also told that Chase 's participation in the HAMP program requires them to make an effort to get an exception to remove the " override '' attached to my loan allowing a lower rate than 7.50 %. My attorney and I both feel confident I will easily qualify for assistance if Chase did this and obtained an exception to remove that block. I feel Chase is basically blocking or evading the HAMP program approval

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their instructions.

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 01/29/2016 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with your agency with a reply that it is closed because of authorization reasons. XXXX I have submitted over and over again to Bayview information that I am the conservator for my dad. I have the legal papers that I have sent them. My attorney has sent information to them to show that I am the legal representation for my father. HE HAS BEEN declared incompetant two years ago. We have filed in court and had court papers served to this company to show that I AM the legal representative for my dad. This company has not asked for or responded in any way to me or to a court order. 
This has been going on for 6 months. I can fax anything that is needed to them if they would just contact me. I ask that this be reopened and sent back to the company. My dad is not able to answer any questions or sign anything on his own behalf. This is a way the company is just not doing anything to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I recently contacted American Education Services ( AES ) on XXXX XXXX, XXXX. I spoke with customer service rep, XXXX, with employee ID # XXXX. My call was in reference to XXXX loans that have now come into repayment status, and were formerly owned by National Collegiate Trust, but are now managed by AES. XXXX other loan, formerly owned by XXXX XXXX XXXX, and now managed by AES is current and the payment is manageable. 

I 'm currently unemployed, diligently seeking employment but have not yet received any job offers. I was last employed full-time in XXXX. XXXX was highly professional and diligent in seeking a solution to offer. I had inquired on the possibility of deferring or forbearing the XXXX loans. XXXX was unable to offer that option, or rather AES was insistent in not extending this offer. The only solution she suggested was to place all XXXX loans into an automatic payment plan that would lower my percentage rate by a 1/4 % over the life of the loan. Yes, that does make sense ; however, I can not acquiesce to that offer until I can make payment on all XXXX loans. 

Despite XXXX 's professionalism, in other calls to AES, I have found its employees rude and belligerent. When I asked to escalate my issues to a higher manager, they would say, " Why? They 're just going to tell you the same thing? '' Inexcusable. 

I would greatly appreciate any assistance you can offer to mediate this situation CFPB. I realize that I am contractually obligated to repay these loans, which I have never lost sight of ; however, I would like to reach an agreement with AES that would mutually satisfy their need or assurance of repayment, and my need to make a payment that is substantially lower than what I 'm currently now paying.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Items are on my Credit Report that do not belong to me ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I, XXXX, received XXXX collection letters from XXXX XXXX XXXX where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the XXXX Code. 

Showing the " XXXX Code '' is a FDCPA violation of section XX/XX/XXXXf ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me three options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas XXXX XXXX. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX, the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/XXXX. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.

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