milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous

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 04/20/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my XXXX XXXX XXXX. I purchased my XXXX from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were made periodically and monthly in the amount of {$310.00} from XXXX XXXX until XXXX of XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly want neither a repossession of nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel anxiety as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of treatment, credit downgrade, or any other impending action, despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all mid-morning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX ) but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent XXXX who " upgraded '' the NMAC system to the tune of {$10.00} XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is an address in California that is reportedly associated with my name being reported on my credit report. Ive never lived in California so I know that Im a victim of identity fraud in this particular case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Debt collection (Mortgage debt) with Utah Loan Servicing, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was received a letter from The Circuit Court for XXXX XXXX of Maryland stating plaintiff : Utah Loan Servicing , LLC has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX  XXXX on XX/XX/XXXXXXXX for a single unit property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX. 

I believe I owe Utah Loan Servicing none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of XXXX in which Maryland was one of the states who alleged XXXX XXXX XXXXXXXX, F/K/A : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XXXX/XXXX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with Utah Loan Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Bureau is reporting inaccurate information regaurding my personal information. Also there are accounts being reported that are not even mine. I have contacted the Bureaus about these matters and have had no success. This is becoming very frustrating as I am trying to apply for a home loan, but being deprived by false 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 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with RevSolve, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have medical debt that I incurred in XXXX 2011. I have been making regular payments for past 4+ years via checks. Last year the mail was undelivered as the address was invalid. I did n't receive any communication from the Collection Agency about address change. As a result I missed few payments and this debt was posted on my credit history. I spoke to the collection agency yesterday and they told me that I have to pay this debt in full to have it removed from my credit history. They collected all my financial information and it was evident that I could n't pay this in two months as they suggested. 

This is clearly the case of harassment as they are using this opportunity to accelerate the payoff. If I was informed of the address change then I 'd have not let payments lapse. 

Collection Agency info : REVSOLVE INC XXXX XXXX XXXX XXXX, AZ XXXX Ph : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Navient XXXX, XXXX symbol XXXX, is the worst company ever. They make it a business to rip off their customers. First, I am a on time payment customer. Just this month I receive a bill telling me that my loans are in deferment. This is obviously not the case as I have been making full principal and interest payments for the past year. Also I have graduated college in XXXX, so this makes no sense. Tell me how my loans get to be placed in deferment with out my authorization???? They do n't. What they are doing if fraudulent and unfair. Had I not noticed this, 1 ) One of my loans I would be paying interest only and NEVER paying principal. According to the contract I signed this would not be the case because as stated from years XXXX to XXXX I am on a full principal & interest payment plan. This lines their pockets with cash and me the consumer does not get out of debt. Talk about unfair business practices. 
2 ) My second loan is in a worse situation. According to them the loan is in " In School Fixed Payment Plan '' which is a euphemism for NEGATIVE AMORTIZATION. Tell me again how this happened?? I go from full principal and interest payments to a Negative Amortization plan. The problem with this is that the interest that accrues over the billing cycle does NOT get paid and gets added back to the principal. This increases your principal balance so you NEVER get out of the loan. I have about {$27000.00} in outstanding principal balance. {$250.00} in Interest is being added back to my principal balance. How does this happen when my payment plan is in FULL PRINCIPAL AND INTEREST PAYMENTS. 
THIS IS HOW THEY MAKE MILLIONS OFF OF UNSUSPECTING CONSUMERS. 
Finally, this is not the first time this has happened. This is the third time they have incorrectly represented payments.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX/XXXX/XXXX, TransUnion denied me the ability freeze my credit report online. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity regarding the massive breach of 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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Some fly-by-night outfit called XXXX XXXX XXXX was somehow involved in a recent attempt to get a car loan. ( This was put thru by the dealer, not me, I got an instant loan for {$32000.00} from XXXX - literally took less than an hour ). They want too many hard copies of personal info sent via mail, no online services, and the XXXX people seem to have some weird idea of credit scores. While the 3 real agencies had me at 820 +/-, the XXXX reported mine as XXXX, and this scares me. I have no idea who they are, I asked many friends and family, still no idea. I would like my info permanently removed from them, or better yet, shut these shysters down. 

The reasons for denied credit sound like a scam to me. " Proportion of satisfactory trades too low ''. Seriously, what is that? Second reason " Limited history for consumer at this phone. '' Really? 

This really did not affect my purchase, but it is making me steaming mad that another scam has access to my info. 

IF YOU GO TO A CAR DEALER FOR THE LOAN, MAKE SURE THEY DO NOT USE 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 01/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problems caused by my funds being low

Complaint: I am a long time Bank of America customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.

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 08/25/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After receiving a debt that I knew nothing of on XXXX XXXX, I immediately had my credit reports pulled, and sent all XXXX credit bureaus certified dispute letters. I received confirmation back that all the items that I had disputed had been verified. I sent a second round of letters asking that I be provided with the names and numbers of whom they had validated the debts with. I myself sent a validation letter to XXXX of the creditors only to be told it was a mistake, and that a letter would be sent to all XXXX credit bureaus to have deleted. This was XXXX of the debts that they claimed they had investigated and had found it belonged to me. They have ignored all of my dispute letters, and refuse to remove debt that have not been validated. I have asked for proper paperwork demonstrating the agreement between me and these creditors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sarma (TX).
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 submitted a dispute to the following credit Agency : XXXX They are incorrectly reporting a medical debt collection under my name and social security number. It has been more than 30 days and has not been resolved. XX/XX/XXXXwas their deadline. I called and was told that it was not removed. The collection happens to be under a person with the same first, last name and DOB as myself. Her address is also being reported incorrectly under my social security. The debt is for XXXX  for a medical debt reporting inXX/XX/XXXX.

I called the Sarma Agency before submitted the original request through XXXX  and they could not find it because the social securities are different and I also called the Medical Doctor and they have no record of my name and social security number. I now have to file a fraudulent report with XXXX  and they are asking me to file a police report. This is not my error. It is the credit agency for reporting it incorrectly.

My report number with XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX  report does not show item or address.

My XXXX  report does not show item or address

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The information that 's on my file isnt being reported accurately per the Fair Credit Reporting Act 609 i requested contract and signature sign and date with accurate account balances from credit bureau that supposed to be in their files i have n't received any 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 10/30/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Chase Bank shut my bank account with no notice. Chase refuses to reopen the account. Yet again, Chase held the money in float, without notifying the transferring bank or me for my direct deposit payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I co-signed for an account with my late fiance 's daughter, XXXX XXXX XXXX, with XXXX in XXXX Florida. The account was opened with XXXX XXXX in duplicate, one for me alone and another for my Fiance 's daughter. When I called the Company Account Supervisor noted the error and told me they would make the correction within 60 days, however this error has shown up as a late payment on my credit report. 
The error account number is XXXX, and was opened on XX/XX/2017. XXXX nor XXXX XXXX has reported me owing money on account that was formulated in error and now reporting non payment on this fictitious account, which was opened up in error. Please help to correct this. My credit is bad enough without someone reporting this error on it. 
Thank You. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with NVR INC. (TN).
Issue: Application, originator, mortgage broker

Complaint: I built a new construction home in XXXX XXXX, TN with the home builder NVR, INC., operating under their Tennessee XXXX XXXX XXXX XXXX. I was promised {$4500.00} in closing costs which was arbitrarily reduced to {$1500.00} when I did not use their affiliate mortgage company and title company. I was pressured with a week left before my closing to sign documents altering the contract reducing their contribution of closing costs by {$3000.00}. I did not plan for this and was forced to tap into my XXXX retirement savings account and pay the penalties associated. I was also forced to sign other documents a week before closing related to my use of an independent lender and title company. The pressure and steering to use the affiliated companies were extremely discouraging. I thought XXXX XXXX were to represent the TRANSACTION between buyer and seller? How can I be forced to use a title company affiliate. I did shopping for my mortgage with several lenders and I feel confident that the rates and junk fees quoted by NVR 's affiliate did NOT represent averages for the industry.

Company response to consumer: Closed with explanation