milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Closing on a mortgage

Complaint: I have a mortgage account with Cooper formerly known as XXXX XXXX XXXX., XXXX , Texas . My account number is XXXX. The company should remove the PMI under Automatic Termination clause as per Home Owner 's Protection Act of 1998. On XX/XX/XXXX when I mentioned them I reached 78 % LTV, they did not automatically terminate my PMI of {$77.00} every month. My amount of finance under modification in XX/XX/XXXX was less than the original amount financed but still same XXXX dollars was colected as PMI. On XX/XX/XXXX they wrote a letter enclosed herewith that I did not reach and the date of automatic termination is XX/XX/XXXX. Again on XX/XX/XXXX they wrote they mistakenly calculated the LTV and informed that XX/XX/XXXX is the date for removal of PMI under Automatic Termination when the LTV reaches 78 %. Now my LTV is almost 70.007 %. Still they are collecting PMI. They are fully aware that my loan was modified with XXXX XXXX XXXX XXXX, in XX/XX/XXXX and they did write these letters in XX/XX/XXXX. Still they are collecting PMI? I want CFPB to publish this and get my grevience redressed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Payday loan) with Citi Management Group, LLC (NC).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A debt collection agency, XXXX XXXX XXXX, contacted us and said my husband took out a loan from them and owes a balance of {$890.00}. He did not receive a loan from this company.

Company response to consumer: Untimely response
Consumer complaint received 01-08-2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 10months ago I contact Navient and asked if I paid extra on my student loans could I allocate any additional payments to the loan of my choice. Navient told me " no, this is not an option. '' 2months ago a customer service representative told me that yes I could make an extra payment and allocate the amount of my choice to the loan of my choice. I would have to make a payment, wait for it to post, then call Navient to have the payment allocated to the loan of my choice. 

XXXX/XXXX/16 I made my minimum payment plus an additional {$10.00}. 

XXXX/XXXX/16 I waited for it to post and called to have the {$10.00} allocated to my Consolidation Loan XXXX. I checked online to ensure that my payment was allocated correctly and my balance went up on XXXX Consolidated Loan XXXX and XXXX by {$140.00}. 

XXXX/XXXX/16 I spoke with Customer Service Representative XXXX and she stated that they would fix the problem and that she can see where multiple changes were made to my payment. She also verified that my total balance due on Consolidation Loan XXXX was {$3800.00} ( {$92.00} more than what my online account states ). She also verified that my Consolidation Loan XXXX balance was {$1700.00} ( {$52.00} more than what my online account states ). 

XXXX/XXXX/16 I contacted the Ombudsman for XXXX XXXX. XXXX XXXX recommended that I contact Navient Advocate Team and that he was confident they would fix the problem. 

XXXX/XXXX/16 called Navient Advocate help line to address the issue. XXXX XXXX set up an advocate specialist for my case. XXXX did state that there are " inconsistencies in balances and that should n't be. '' XXXX/XXXX/16 XXXX XXXX XXXX ext XXXX contacted me. She stated that " there is a problem with the online system and they have noticed that the balance in their database is different from my online Account History and that my online account history is incorrect. '' When asked when this issue would be fixed XXXX stated that " currently there is no date set to accomplish this fix but that she would email the appropriate people and ask. '' When asked to verify my balance due XXXX stated that Consolidation Loan XXXX balance was {$3800.00} ( {$42.00} more than XXXX stated on XXXX/XXXX/16 and {$130.00} more than my online account states ). Consolidation Loan XXXX balance was verified at {$1800.00} ( XXXX more than XXXX stated and {$83.00} more than what my online account states. 

When asked if I could just pay off my student loans in full and be done with this. XXXX stated that " you can only pay the minimum payment with a credit card and that anything additional must be paid with a routing account #. '' XXXX/XXXX/16 I contacted the XXXX the Ombudsman and he was stated that " this case might not meet the criteria '' and he gave me the XXXX XXXX and he defended Navient saying you might want to " take them up on their word, '' and wished me " good luck. ''

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the information you listed on my report : XXXX XXXX XXXXXXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.

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 04/14/2017 about Credit card () with TD BANK US HOLDING COMPANY (HI).
Issue: Payoff process

Complaint: My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Other debt) with First Data Corporation (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX, TX XXXX ) sent a first letter on XX/XX/2017 stating that a member of our household owed money for a return check and a returned check fee. {$14.00} to XXXX XXXX XXXX and {$25.00} Fee totaling {$39.00}. 

Reference # XXXX This was check # XXXX routing # XXXX with a non-valid checking account number. No one in our household has ever opened an account with XXXX XXXX XXXX. 

We asked XXXX XXXX XXXX to marked this as fraudulent and not to harass us again. They gave us a file claim # XXXX and said they would not contact us again. XXXX has since sent two more letters stating they need our social security number and driver 's license number. And that we still owe {$39.00}. 

This is a SCAM and fraud and we need to protect our credit score/history.

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 12-10-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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 am disputing an account on my Experian credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XXXX/XXXX/XXXX, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Experian continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Experian said in their own words that information was supplied from the creditor and I quote " Experian supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Experian always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else is going on, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. 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 05-12-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Our mortgage is currently serviced by  PennyMac.  They have started sending us deceptive advertising, telling us to re-finance to 'save money ' despite the fact that the refinance would be at a HIGHER rate  ( 1.25 % higher ). From their email : BEFORE Refinance AFTER Refinance Current Rate : 3.25 New 30-yr Fixed Rate/APR : 4.5 / 4.558 Current Payment : {$930.00} New Payment : {$820.00} Potential Monthly Savings : $ 110.55** Potential Annual Savings : $ 1,326.56** Despite having an asterix with the following disclaimer : " *Refinancing your existing loan may result in your total finance charges being higher over the life of your loan. '' I believe their advertising is deceptive and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They are attempting to collect a debt that is over seven years old, since I 've last used the credit card. They are also still adding interest to this out of statute & aged debt as well as falsely reporting it as a new or current debt to the XXXX major credit reporting agencies every month. XXXX XXXX XXXX. should no longer be reporting anything to my credit bureau after seven years. They still are. They are also reporting the last activity date in 2015, unfair collection activity. Scare tactics by purposely trying to impact my current credit rating. More of the same acts they have been sued over on multiple occasions. They are a 3rd party collection agency who has also failed to send me my original contract & signature of the debt they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Delinquent account

Complaint: I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.

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 10/23/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: I walked into the branch to exchange a {$10.00} bill for a roll of quarters. The teller asked for my account information. I asked why they needed that, a manager stated that she recognized me and that we had had this issue before. And I stated that I had yet to receive a reason for why exchange legal tender into quarters required collection of my account information. She stated that it was required by the " Bank Secrecy 's Act ''. I told her that that Act was about amounts in excess of {$10000.00}. She stated that " no, that was covered by the Currency and Foreign Transactions Act which unknown to her that this act is also known as the Bank Secrecy 's Act. She then stated that it was Chase 's Policy to collect this information. When I asked for a copy of the policy, she was unable to provide it to me. When i contacted Corporate Executive Communications, the representative there referred me to the Deposit Account Agreement. I read thoroughly the DPA and there is nothing stating that I am required to provide my account information to change a {$10.00} bill for quarters. I find it personally offensive to have to provide my account information in order to conduct a simple small monetary transaction. If Chase or the government has such a policy, I would like to know the reference for this policy and the rationale for initiating such a policy. It is obvious that Chase 's bank personnel are unable to explain the rationale for what I consider an invasion of my privacy. More importantly, the personnel stated that if a non-account holder came in to request the same transaction, they would be turned away. As a publicly traded and regulated company, I am sure that there are some laws or regulation that prohibit Chase company from discriminating between account holders and non-account holders in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: A company identified as : CBNA made hard pulls of my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX without my authorization. After some research it seemed this is Citibank?

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 05-03-2017 about Debt collection (Medical debt) with SYNCHRONY FINANCIAL (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: we had aclose death in our family, I did not look at my statement and made what I thought was my regular payment, I was  XXXX   XXXX  dollars short, not late! I told them i would gladly pay all penilties with my next statement. We have recived constant calls daily, even when we told them to stop calling! We got calls before  XXXX   XXXX  and after  XXXX   XXXX , I have all on my caller Id or I can get a copy of calls from   XXXX   XXXX   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 monetary relief
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I filed a chapter XXXX in XXXX which ended up getting dismissed because they never told me i had to turn in my actual tax refund. i received a call from them in XXXX of XX/XX/XXXX after XXXX saying I was in default due to their neglegance. When I made my payments for XXXX years never missing a payment. I had my XXXX hearing in XX/XX/XXXX they said they changed the info about my tax refund in XX/XX/XXXX without my knowledge. The lawyer wanted me to put approx XXXX into my bankruptcy as debt owed when in reality it was not and it would have made my payments go up as well so they went to court to modify and they just decided to dismiss it because I did n't think that was fair to me. They went to court without notifying me and just left a voicemail that the bankruptcy was dismissed. Therefore they dismissed their contract without my knowledge so I disputed that the bankruptcy was in error because I should not be penalized for that. That lead me to getting on a payment plan for parking tickets after 2 years this was the initial reason I filed a chapter XXXX to get my license back for court. At that time I was advised that I had to put my car into the banruptcy. When the bankruptcy dismissed I tried to pay the car out for XXXX dollars they said that was not enough. I went in XX/XX/XXXX or XX/XX/XXXX to trade the car in they offered XXXX at rogers auto group and they denied the payment and said I owed over XXXX dollars which was fraudlent. I owed about XXXX when I went into bankruptcy they paid a little less than XXXX dollars to the XXXX finance and out of trying to work with them they said I had to give them XXXX to keep the car and continue to pay XXXX mthly so I gave the car back they sold the car at the auction for XXXX less than what I offered and the trade in amount. On the deficiency letter it said amount owed XXXX which was correct they sold the car for XXXX and left a smaller balance now as of XX/XX/XXXX or XX/XX/XXXX these people added another sierra accont for over XXXX when they sold the car in XX/XX/XXXX I sent the letter in from sierra to all three credit bureaus and they refuse to delete the fraudlent items. how can I owe more money? The letter clearly stated I owed XXXX something but even with that they put a fraudlent account of over XXXX I have been disputing this since XX/XX/XXXX. Im frustrated and I am ready to sue because its wrong. Can you please look into this get it deleted and let me go on with my life. I called XXXX I emailed them and they still will not correct so once I sent it in XXXX and white they should have deleted the items. I have copies but I can not attach them from my work computer

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