milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (SD).
Issue: Loan servicing, payments, escrow account

Complaint: Being over charged for escrow payments. Have request reanalysis for escrow 3 times. 
What is being paid by escrow for the year. XXXX insurance. XXXX taxes XXXX pmi for the year. total XXXX a 2 month cushion of XXXX. The yearly amount needed including a 2 month cushion is XXXX which comes out to XXXX a month. My current escrow payment is XXXX it should be XXXX There is not an escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with FIRSTBANK PUERTO RICO (FL).
Issue: Trouble during payment process

Complaint: My husband and I, have a conventional mortgage on our primary residence. We have paid all our monthly obligation on time, which includes P & I & escrow. In addition, required insurance on the property has been paid as well for the years XX/XX/XXXX- XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX ( please see policies and receipt attached ). In XX/XX/XXXX, we paid XX/XX/XXXX-XX/XX/XXXX and on XX/XX/XXXX, we paid the amount to cover XX/XX/XXXX- XX/XX/XXXX ( policy has to be renewed on or before XX/XX/XXXX.
Nevertheless, the Bank forplace an insurance policy despite we had a policy placed on time. Today, we have a XX/XX/XXXX YTD escrow account amounting to {$2700.00}, which represents 60 % of the real estate taxes we paid last year ; if this charge continues, we will pay around {$5400.00} ( 38 % more of what we paid in XX/XX/XXXX. This is an abuse since we have our insurance current and our insurance agent has provided evidence of the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Struggling to pay mortgage

Complaint: In XXXX of XX/XX/XXXXWe filed for chapter XXXX bankruptcy. In XXXX of XXXX we completed 3 trial payments for a loan modification. Loan documents were sent out to be signed. We never received the documents. Because we completed the trial payments I was under the impression that our modification was complete we waited to see what our new payment would be before making any more payments. I call every month to find out What our new payment would be. After nine months, I was told that the documents were sent to my attorneys offices and returned twice. At this point our home went in to foreclosure and a court date was set for us to have to move out and turn over the home. The date was set for XX/XX/XXXX. It was Seterus fault that we did not receive our documents by XX/XX/XXXX. They never contacted me to let me know the status of our modification and what we needed to do. When I called I was never given any information as to where my documents were. Interest in late payment fees were added into the loan and our loan has in creased by over {$100000.00}. When we bought the home in XX/XX/XXXXWe paid XXXX We put down XXXX we got a mortgage for {$340000.00}. In XX/XX/XXXXwhen the loan was transferred to Seterus our mortgage balances was approximately XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have a mortgage with Chase Bank On several occasions I have approached Chase Bank because for XX/XX/2015 they reported a XXXX on my credit instead of reporting current as my mortgage payment was made on time for that month. I have called several times to Chase and they advised it was the credit reporting agency I then contacted the credit Bureau who advised me it was Chase doing a non report for that month but something on Chase side. I continue to get bounced back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Credit reporting () with Credit Karma, Inc. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I cant get my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 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: XXXX reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to XXXX. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from XXXX regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to XXXX by letter and the credit bureaus to resolve this issue. XXXX responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.

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 05/31/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I AM BEING DESTROYED BY THE BANKS, this has been going on for XXXX ( FIVE ) years and XXXX ( NINE ) months so far. Clarification : I do not want to live in my home for free, all I want is justice. I am a tax paying american mother who has worked harder than a " Peruvian Donkey '' to raise her XXXX children, put a roof over their heads and food on the table ( I 'm not perfect of course ). My mortgage was owned by XXXX XXXX in XXXX ). When XXXX went down, coincidentally I lost my job. XXXX XXXX XXXX XXXX XXXX ) took over our mortgage and told me they were going to help me with " Barack Obama 's Making Homes Affordable '' program. They never did. They told me on XXXX XXXX that they had lost my entire file after an entire year of waiting for the " Home Loan Modification ( HLM ) package '' in the mail, it never came, etc, etc, etc. Later on, XXXX substantially increased my monthly payments from {$1100.00} ( which I can not afford XXXX to {$1400.00}. What? Is n't the " Making Homes Affordable '' program about assisting homeowners in distress to make their homes AFFORDABLE? WHAT KIND OF HELP WAS THAT? After almost four years dealing with them, I told XXXX that I was going to sue them, Ha! TWO days later I received a letter from XXXX informing me that NationStar ( a glorified collections agency who calls itself a " bank '' ) would be servicing my loan beginning the following month ( by then, XXXX, XXXX, XXXX XXXX. This has been a nightmare, they do not want to assist in any way, they make arbitrary decisions without informing me, they lie to XXXX XXXX and every single call from them is to harass and try to scare me. All these years I have not made payments on my loan because XXXX told me no to, and now, after almost six years, the principal on my home is double the value of my property. How can I afford that? They say they can not reduce the principal because XXXX XXXX does not allow it, and that if my loan were with XXXX XXXX, they would be able to do so. Well, they are sueing me A-G-A-I-N to foreclose on my property. This is my home, I HAVE LIVED HERE SINCE XXXX XXXX, it is my only real estate property and I live in my home, I am not a lawyer. This ordeal has made me very, very ill, and I can prove it. I applied for Social Security XXXX XXXX XXXX and I am certain I will be approved. I have been tricked by fraudulent corporations, including a lawyer I hired called XXXX XXXX with payment arrangements of course to help me. I have lost XXXX {$6000.00} seeking help, heck, I am still paying the fees for nothing, crooks, that 's what hey are. Please I need help, I can not afford a lawyer and I have nowhere to go if I lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: XX/XX/XXXX- Our company was notified of two different account closings as of XX/XX/XXXX and XX/XX/XXXX ( Debits to account amounted to {$14000.00} and {$16000.00} ) when our employee went into the branch to cash check. He was informed the bank had closed the accounts upon learning of account activity, and we would need to call the XXXX XXXX XXXX at XXXX to inquire. 

Our corporate office called the above number ( a bank call center ) 6 times in a 2-week span to inquire as to the location of funds and was told each time that they could not give us any additional information regarding the missing funds and that, in fact, there is no XXXX XXXX XXXX. We were then instructed to send a letter to the Customer Service location at XXXX XXXX XXXX XXXX XXXX XXXX, TX, which we have now done twice, on XX/XX/XXXX and again on XX/XX/XXXX 
As of XX/XX/XXXX, have not received these funds, or received any additional information from the bank regarding the status and location of our money.

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 06/27/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My USAA member ID is XXXX and I have an auto loan with USAA. Recently in violation of many consumer protection laws, USAA restricted my access to USAA.com and cancelled / closed my credit and banking accounts. This poses a problem as I have never received a billing or account statement in writing from USAA for my auto loan. It was set up to all be completed electronically, were the statements are available on usaa.com and all payments are auto debited from my USAA checking account. <P/>This is an issue as now USAA has closed my checking account, so automatic payments are not possible going forward. I called in to request assistance with this as I do not know the amount, or where to send my car payments to keep it current going forward. I was told automatic payments would be stopped and I 'd begin receiving paper statements. I have to to receive any statements from USAA for my Auto Loan. Most recently I called in today on X/XX/2017 and after being transferred several times I spoke with XXXX. She informed me Paper Statements could and would not be sent to me as I agreed to receive all statements via USAA.com at the load origination and she was unable to change it. I requested the payment amount, address to send it to and billing history be sent to me at my home/billing address. She informed me that could not be done I needed to view it all on USAA.com. This poses a problem as USAA restricted my access to USAA.com making it impossible for me to do. <P/>So now, I am unable to pay for my auto loan, view past payments or even know where or how much to send. I 've requested this in writing many times and have not received anything. By USAA 's own intentional actions they have intentionally prevented me from being able to meet my obligations, despite my many attempts to find a legal and fair way to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have decided to write XXXX complaints a day against Equifax in order to try to get them to follow the law and stop violating my rights. As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX Bank told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX Bank is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXXn did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: My Union Plus credit Card ( now under XXXX XXXX umbrella ) representatives have told me twice that I can not pay down my high interest ( Cash Adv 14.99 % ) until I pay down my low interest first ( 11.9 % ). They stated this with no unclear terms stating that this was the allocation method of my credit card. I recorded the second call in full to prove that they are misleading me and therefore other consumers. I have been paying other credit cards with lower interest rates first because of their misleading feedback. In this recorded call, the supervisor claims that this must be an " educational error '' and will address the managers. However, for 2 representatives to claim definitively that Iower rates must be paid first leads me to believe they are prompted by the company to mislead consumers so they continue to make maximum profits. The supervisor assured me that they were wrong and that any payment WILL AUTOMATICALLY be applied to my highest interest balances. I am going to make a payment above the minimum to verify that it does. If not, I will make a second complaint and escalate the problem as best I can.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Winn Law group continues to pursue me on a debt that was charged off in XX/XX/2011.I have asked them to stop calling me & harassing me so now they have threatened to file a judgement against me and continue with collection efforts. I have let them know that California state law prohibits them from collection activity after 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Managing the loan or lease

Complaint: I made all monthly installments along with any late charges that accrued. At maturity of the loan the lender says that there is still a large balance outstanding. I have been unable to get any explaination or resolution from this company by phone.

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 07-05-2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am filing this dispute in response to Ad Astra providing FALSE information to the Consumer Financial Protection Bureau on complaint XXXX dated XXXX2017, For 4 years I have disputed Ad Astras right to report and collect alleged debt. For 4 years Ad Astra has falsified dates. For 4 years XXXX has allowed Ad Astra to report and has not properly investigated dispute. XXXX and XXXX do NOT report only XXXX. I have ATTACHED a letter with a timeline and with proof of the inaccurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (NJ).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Dear CPFB, Please reference : Complaint # XXXX ( Submitted XX/XX/XXXX ; Closed, XX/XX/XXXX ) SIMPLE Bank offered {$100.00} compensation in closed complaint on XX/XX/XXXX, but no compensation has been received by XX/XX/XXXX. I feel that 30 Days after complaint was closed was sufficient time to send the {$100.00} compensation that was promised. However, in the closed complaint, they did not specify a date as to when they would send the {$100.00} compensation. From SIMPLE in the closed compliant : To acknowledge the issues that you faced and to show our appreciation to you for the time you were a customer with Simple, Compass will be sending you a gift card in the amount of {$100.00} to the address that was listed on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with First Data Corporation (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (FL).
Issue: Struggling to pay mortgage

Complaint: To whom this may concern, As a result of the damages inflicted by the last hurricane that hit Florida, My employment was affected.

Consequently I was forced to leave Florida to seek employment.

Explaining this to a member of the forbearance department with M & T BANK I was given until XX/XX/XXXX to make payments totaling {$8300.00} on XX/XX/XXXX I  was able to make a payment of $ XXXX.I am a single mother putting a child through college at the moment. Simply put, I can not afford to make that payment at the moment.

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 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am writing in concerns about a student loan that was taken out in 2009. I attended XXXX. Before the sign up I was promised that my credits were transferable and they would assist me with job placement. Neither of the promises were honored. I was told they were an accredited college they were not that either. The loan taken out was supposed to pay for me to get my certification. It cost a {$100.00} out of my pocket to become certified. I feel as if I was told all this information just to sign up for the program. I have gone to the location several times, nothing was accomplished. XXXX XXXX were supposed to contact the graduates to verify if they had job placement. No one never called. Until this day I do not have a job within the field of my XXXX XXXX. I had to work odds and ends job just make ends meet. I thought me attending school again with guaranteed job placement would help. Instead, I am stuck with debt and empty promises.

Company response to consumer: Closed with explanation