milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: We currently have an FHA loan & after 5 years, we are eligible by law to drop our Private Mortgage Insurance ( PMI ) if our debt to equity is below ~78-80 %. Nationstar Mortgage is denying us, because they are claiming it is based on the original loan value. However, in their letters they stated that it 's either the loan value OR current market value. I tried tirelessly to a contact a representative at Nationstar Mortgage to get an appraisal done ( at my expense ), but I am getting runarounds and other excuses as to why I am not able to get this process completed. They are insisting that I refinance my mortgage in order for this to occur. Over a year ago, I was able to contact a representative and he explained the process that was needed to be done. However, I was n't eligible by law because I did n't hit the 5 year time frame. Now that the value of my house is well above $ XXXX ( rough estimate to meet the % requirements ), it is now time for the PMI to be removed indefinitely, with a credit back to me from Nationstar Mortgage for not working quickly with me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I have talked to American Express two separate times attempting to explain that I have been XXXX and have not had a XXXX in 6 months. Every time they talk to me they ignore what I have to say until the point that I agree to receive a payment to an account that I have made clear is empty. I feel pressured to agree to this and have been given no alternative by American Express. American Express also has harassed my family from a phone number that I have made clear to them is not a number I want them to call from. They frequently call as often as three times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX is attempting to collect a debt not owed by me and has not verified any information regarding this dept. They are also illegally trying to collect a debt from me because they are not legally licensed in the state of Texas as a Debt Collection Agency. This is against the law per section 392. 101 of the Texas Finance Code. They have submitted false information about me to the credit reporting agency and it should be  removed immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Application, originator, mortgage broker

Complaint: Our home has been financed by Citi since 2006. We have never missed a payment or even made a late payment. In early XXXX this year I approached Citi about refinancing to gain a lower interest rate. I was quoted a rate about 1 % lower than the rate on our current loan and promptly submitted an application. The appraisal was completed to confirm there is more than ample equity in the home to justify the loan. The unblemished credit reports with XXXX FICO scores were provided and every piece of documentation or information requested has been provided. A clean title search is ready for delivery upon request. More than 3 months later Citi has still not completed processing our application for final approval and today has once again requested I provide nonsensical information that has already been provided despite its irrelevance. I now suspect it has and continues to purposely delay approval of our application in order to continue collecting the higher interest charges that have and continue to accrue. Had I even suspected Citi would handle our application in such bad faith I would have gone elsewhere at the outset and undoubtedly would have already completed the refinancing process well before now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received no prior notice from this company. They sent a violent individual to my apartment that began pounding on our door so hard it bent the latch and door jam. He persisted and we were terrified someone was trying to break in not expecting them. My XXXX XXXX XXXX son has XXXX and was crying and visibly shaken. After 15 minutes and us about to call police, he yelled and swore at me to open the door he had papers to sign. I relented and signed. Intimidating and harassing peoples families with no warning is wrong and causes a great deal of emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Medical) with AmeriCollect (PA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had a XXXX XXXX card back in XXXX. I set up the account via their phone service after starting the card in store. When I went to pay a bill, the sum initially showed deducted from my checking account and then reappeared after a few weeks. It turned out, the XXXX XXXX  representative. Seeing as this was their error, they corrected the information and removed the late fee. 

Now, just over XXXX years later, I am attempting to by a home and that error ( which XXXX XXXX  said was being removed ) is still on my credit record. I even closed that account over a year ago. 

I would like this error removed from my credit history, not just a late fee removed.

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 04-06-2017 about Prepaid card (General purpose card) with U.S. BANCORP (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased XXXX {$200.00} MasterCard prepaid cards at XXXX. When I tried to use them about 2 weeks later, almost all of the money had been drained from the cards. I contacted the card issuer, U S Bank customer service and was told to submit copies of the receipts and affidavits that I did not use the cards myself. I was told it would take 45 days to get merchant verification and refund my monies. I was sent XXXX new cards. Only XXXX has XXXX on it. Another one has XXXX. When I check the balance on the other ones, I am told that the information ( card number, expiration date ) is not valid. I am now out {$990.00}. The request was made to replace or restore the balance on XX/XX/2016. I have not used any of the replacement cards.

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 04/25/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Rewards

Complaint: I believe Citi has engaged in deceptive advertising practices with respect to usage of their thankyou points on a XXXX credit card and has erroneously charged me for a recent purchase on XXXX that should have been automatically done using the thankyou points, for which none of the three ( 3 ) customer reps I spoke with took any responsibility nor attempted to resolve the issue in any way. 
Here is what happened. I have accumulated XXXX points and wanted to use those points on XXXX. Thus, I checked the " How do I use my ThanYou points to shop at XXXX '' directions on Citi 's website, which state the following : " Simply add your eligible Citi credit card to your XXXX account and use it to make a purchase to automatically activate the ability to use your points. '' I followed those unambiguous directions, added my Citi Thank You XXXX credit card XXXX to my XXXX account, and used it to make a purchase, only to find out that I had to take another step to be able to use my points, so not only did I not use my points, but now Citi is telling me I will have to repay the purchase I made on XXXX using Citi credit cards, which should have automatically been done using my points.

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 03-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have a loan with Sallie Mae ( XXXX ) that I 've been struggling with for years. I 've been able to make payments again recently but still have a small balance past due as they will no longer grant me forbearance. In addition to calling me and my cosigner at least 7 times per day, they have begun calling family members of mine who are not on any of my loan documents. Specifically, they have begun calling my father 's girlfriend on her private, unlisted home phone. My father did not cosign my loan. He had nothing to do with it. He 's not even on my birth certificate. He lives XXXX miles away. I 'm not sure how they found him or gained access to their private phone number. It 's terrifying. My loan is roughly {$20000.00}. I 'm past due on about {$1000.00} but have been making payments. This is effecting my mental health especially now as they seem to be stalking me and somehow gaining access to my personal information outside of my loan documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have had an account with PayPal for over 30 days. I have stop using there service due to them holding my payments received by customers. I called to see if it was possible to have the funds available sooner but the representative would not assist me in a professional manner. As a business owner I look at my consumers as always being right and try to solve the issue. PayPal did not even give that opportunity. I was told that I need to have to confirm my identity, have a least up {$150.00} payments from customer but the inconvenience is payments being held every time I receive an order through my XXXX website. I asked to speak with a Supervisor I was placed on hold for over 30 minutes to get my situation resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2017 about Bank account or service (Other bank product/service) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2017, I did my banking at the XXXX Huntington Bank of the University of XXXX, at XXXX, my transaction was exactly at XXXX, it consisted of me giving out my name, address, city, state and ID number from one of my debit cards. At XXXX, another debit card of my from a different banking institution was closed out. The bank employees females were XXXX and XXXX. I found out later in the evening from my other banking institution that someone from a bank called and had my account closed. Since XXXX has been working at Huntington Bank she has harassed me and a month ago I had to report her. I know she had something to do with my account being closing she also on several occasions would ask if wanted to deposit my money into my debit account so that she would have access to it. Both of these employees have committed fraud, violated confidentiality laws and violated my FERPA as that this involved my school account at the University of XXXX Huntington Bank in XXXX, both of these employees have been watching me and my accounts for several months. They also did an unauthorized credit check to find out what accounts I had in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: My account was closed with XXXX XXXX, one XXXX XXXX and one XXXX. I did n't have a balance on either. When I called XXXX XXXX, because it was first, I was told because I do n't use my card. The representative explained to me 92,000 cards were closed for the same reason. WOW! XXXX, had the same response. The letter stated serious delinquency, however upon review of my credit report nothing has been paid late. I am being punished for choosing not to carry a balance, for being wise about my spending habits, for having an open line of credit, and not giving the bank money in interest.

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 01/23/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Santander Consumer USA , Inc. sent me a letter dated XX/XX/XXXX advising me of an adjustment to the principal balance of my car loan of {$910.00}. Additionally, I was advised of an additional adjustment of {$1600.00} for the accrued interest due. Furthermore, I was advised the adjustments were to take between 3 -5 days. As of XX/XX/XXXX, Santander has never provided payment history or any explanation why the adjustments were never applied to my car loan. 
Prior to my car loan being paid in full, I notified Santander to apply the adjustments to my car loan. I discontinued making loan payments as a result of notifying Santander. Santander reported late payments of 30 days for XX/XX/XXXX ; XX/XX/XXXX and 60-day late payments for XX/XX/XXXX and for XX/XX/XXXX. No matter how many times I have contacted Santander they refuse to remove the negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian continues to report an inaccurate tradeline regarding XXXX XXXX XXXX. I have contacted XXXX XXXX via certified mail attempting to validate this debt, with no response. I have disputed this with Experian multiple times, but they keep insisting the account is correct. This evening while speaking with XXXX, I asked to speak to a supervisor or the person responsible for reviewing the documentation from XXXX verifying this debt. XXXX told me those individuals do not have telephones and I could not contact them. After a long debate, XXXX finally agreed to get a supervisor for me, but he just transferred me to a VM box. As the consumer, it seems unreasonable that I have provided sufficient documentation to support my claim, but as XXXX explained, XXXX XXXX does not have to provide any proof to Experian regarding this debt. I want this account permanently removed from my credit report.

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 09/29/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent my informatoin through CFPB complaining on Experian 's lack of response in regards to a ID theft collection on my report. They said they would investigate it and it has been over 30 days. Based on everything I 've read I thought I did everything right. I 'll upload the date my last complaint was filed and then submit that as documentation. Not mad just a little frustrated b/c Im not sure what else todo.

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 11/25/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (PA).
Issue: Problems when you are unable to pay

Complaint: Credit acceptance need to not make me responsible for any payments once my dad passes. The car is in his name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, and failed to notify me. Instead, I had to find out via social media. I work for a living. I make $ XXXX/hour. I do n't have the time or money to continually freeze and unfreeze my credit due to someone else 's negligence. 

Millions of us are affected. None of us were directly notified. This is ridiculous and unacceptable. It 's 2017.  How is this still happening to this extent? And how are we going to make this right? 

To add insult to injury, in order to check and see if I 've been affected, I 'm asked for the last six digits of my social security number ... which has already possibly been compromised. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it  down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive  any letters on what happened with the deposit.

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 01/26/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXX-XX/XX/XXXX - When trying to downgrade my XXXX package to an internet only package at a price of {$64.00} I was instead signed up to a TV and Internet package at a cost of {$100.00} without my consent or knowledge. 

XX/XX/XXXX - XX/XX/XXXX - Once I realized that the incorrect amounts were being charged I instructed my bank to block all payments to XXXX. 

At the same time I called XXXX and requested a copy of my upgraded contract. The customer service representative told me that they had a new contract but they had not received a signature or endorsement from me so it was invalid. The issue was escalated and I was told that I would receive communication within 4-5 business days. 

I did not receive any further correspondence, instead I noticed on XX/XX/XXXX that the amount of {$300.00} had been placed on my credit report under Diversified Consultants. 

The {$300.00} relates to an amount for TV and Internet Services that I do not owe as the contract was fraudulent. It also included an amount of {$100.00} for early termination of the contract ; again I had not agreed to this fraudulent contract. It also includes and amount for unreturned equipment ; I returned the equipment to my local XXXX store and the employee had noted it on the system. When I called XXXX the customer service representative told me that they had in fact received my returned equipment but had charged me the extra fee anyway. 

It appears that the XXXX employee with whom I spoke to downgrade my contract took it upon themselves to instead upgrade me with an extended 2 year contract. 

It also seems that XXXX 's business model is to charge false fees with the hope that customers pay without checking what the fees relate to. I had no way of accessing statements once my account was closed and the only detail was the total amount due. I have been horrified by XXXX 's fraudulent actions and I want to escalate my concerns so that an investigation can take place. I fear that XXXX have been committing theft/fraud on a grand scale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: 1. XX/XX/XXXX, i had to file for chapter XXXX bankruptcy due to the housing market crash. my bankruptcy was discharged XX/XX/XXXX. all XXXX credit reporting agencies kept the bankruptcy on my report for an additional year ( should have been removed XX/XX/XXXX, was not removed until XX/XX/XXXX. 
2. I submitted a letter to all XXXX agencies about a mistakenly charged child support payment that was never finalized signed by XXXX and XXXX of them still have not removed it from my report. 
3. I had to short sell my house and was told that it would fall off of my credit report 2 years after the last late payment. XXXX of the agencies have dropped it, a XXXX has not. 

all XXXX of the agencies have been seriously negligent in correcting these issues and i have filed disputes constantly. when i called to find out why my credit scores were still so low, they told me it was because of all the disputes i had filed. so my credit report is supposed to suffer because i am complaining that they are not doing their jobs? 
i really need some help with this as soon as possible.

Company response to consumer: Closed with explanation