milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been going back and forth with Wells Fargo for about two years trying to do a short sale on my home. Throughout this entire time the bank has made mistake after mistake in handling my account. They came back time after time asking me to provide information and documentation that I had already provided. They called XXXX over and over again even though I told them to cease and desist communication with him as he has medical issues preventing him from being able to comprehend such issues. Now we are finally to the point that things are moving in the right direction and we have been approved for the short sale. We have the buyer inspector coming on the property however when he comes he is making request for me to repair and fix things. I am more than happy to do so however he is making it difficult because when I fix the things that he asks me to fix he comes back and asks for me to fix more things. I 'm doing everything that I can do to work with Wells Fargo and now that we are finally at the point that we could possibly close on the house and move forward I receive word that the bank will not grant me any more extensions on the short sale. I can not believe that after all that they have done to me and my family over the last 2 years that they can not partner with me to finalize thing and give me the time needed to get the house closed. This WOULD have been do n't months ago should there have been a confidant employee handling my account in the first place. I am now so overwhelmed trying to work with this mess of a company. Every mistake that this company has made has taking so much time to fix and all I 'm asking for is the time that I need now to complete what should have been completed MONTHS ago! I 'm shocked that this company would rather sell this house at auction rather than getting the fair market value for the property. At this point I will be contacting an attorney to investigate the way my case has been handled and pursue legal action against this company.

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 04-11-2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Late fee

Complaint: Did not receive XXXX paper statement in mail. Confirmed US Mail option is checked. Called cust serv. CSR said that paperless option must be checked. Not true, I 've historically received paper statements and I confirmed before calling Citi that paper option checked. They refused to credit {$25.00} fee. I cancelled this CC account. Very disappointed in Citi as this appears to be fraudulent and a means to a money grab.

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 05/13/2017 about Debt collection (I do not know) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Stanislaus Credit Control is  attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  Stanislaus Credit Control is in V iolation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and th e HIPPA La w!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with National Check Resolution Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and National Check Resolution continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed
Consumer complaint received 04/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with MUFG UNION BANK, NATIONAL ASSOCIATION (TX).
Issue: Application, originator, mortgage broker

Complaint: In the process of attempting to get a mortgage loan for XXXX people with FICO scores at XXXX and XXXX, we were given the run around in every manner you can imagine. We were operating under a 30 day escrow with a XXXX ARM. The lenders asked for everything in our history you can imagine. I 'm not against them doing their due diligence. They should have been doing it when they were falsifying records and looking the other way. But now along comes an honest buyer with great FICO scores we 've worked hard to attain. They held up the process with day after day after day of hassling us for more and more information that we finally had to stop the process and withdraw our offer. This was because I had to have a place to move to in California since the loan folks had assured me all was fine it was just a few more details. Weeks later, after I turned in our lease termination, they were still asking for information. The final straw was when they started asking for 2014 taxes ( for the XXXX time ) and then asked us to " explain '' my husband 's first job out of college ( 30 years ago ), my former married name ( 27 years ago ), and various other historical pieces of data from 15-30 years ago. They said it did n't match on different reports they had. But they did n't send us the reports so we could see what did n't match. And honestly a first job out of college from 30 years ago, what bearing does that have on current credit worthiness? They claim it 's all XXXX requirements, but I know that is not the case. It really seems they do n't want to make loans at good rates so they just make it impossible. 

And now they 've screwed up my credit report by having XXXX mortgage loan credit inquiries made, which do n't go away for 2 years. another way to make us " pay '' for just trying to buy a house. FICO says that loan mortgage inquiries are not included in its calculation, yet each of the credit reporting agencies stated that I had too many inquiries on my report that impacted my overall FICO score. Now i have to live with that for two years, or spend a week writing letters to no avail ( I 'm sure ). If this is a country that runs on credit then we are in deep trouble when the only people who can get loans are the ones who do n't pay them back. 

Please find some way to convince the mortgage companies to be more reasonable in the info they ask for and to remove credit inquiries after 3 months of no loan follow-through. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The XXXX school that I went to is being sued by the government for being fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with EARLY WARNING SERVICES, LLC (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. 

Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. 

See attached supporting documents. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.

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 01-06-2017 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (OH).
Issue: Managing the loan or lease

Complaint: GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage wrongfully foreclosed on a mortgage on XX/XX/XXXX in violation of the rules for protecting successors in interest. The XXXX year old complainant was on the deed and mortgage with his now deceased wife. Only the deceased wife, however, executed the note and only she was considered to be the borrower. Both the husband and wife were on the deed as " tenants by the entirety. '' They bought the home XX/XX/XXXX. 
The foreclosure sale was conducted in violation of 12 CFR 1024.38 ( b ) ( vi ) which requires identification and communication with successors in interest. Nationstar refused to communicate with the complainant after the death of his wife. He would regularly place calls to Nationstar after getting the monthly bill, but Nationstar would always hang up on him, telling him that they did not know who he was, despite his detailing the death of his wife and that he owned the house with her. One one occasion, a Nationstar representative threatened to call the police and obtain a restraining order against him if he continued to call. 
Eventually, Nationstar gave notice of foreclosure and then the XXXX contacted an attorney who sent Nationstar a Notice of Error in XX/XX/XXXX. Only then did Nationstar send the complainant a Loss Mitigation application. He timely submitted the application. Nationstar, though, failed to notify the complainant of the status of his application. Again, during a telephone call with Nationstar, the servicer demanded to know if the complainant was named as the executor or administrator of his wife 's estate. When he answered " no '' and tried to explain that no estate administration was necessary under Massachusetts law because of the tenancy of the entirety, the Nationstar rep said that they could not speak with him and hung up. The complainant 's attorney sent two more Notices of Error to try to obtain loss mitigation for the complainant, but Nationstar went ahead with the foreclosure sale despite being informed that it had violated the RESPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since XXXX over the past 3 years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Payoff process

Complaint: American Express has switched " Application approval Process '' on me twice within a year the XXXX was with the XXXX Amex Card from XXXX XXXX, I applied for the " Business '' Revolving Card Since I opened the " Business Executive Membership '' and instead they sent me a Personal Card Revolving Card and not the Business Card, I called them numerous times but they refused and told me they were sorry but could not change it. Then months later I applied for a Business Revolving Credit Card and again I ended up with a Business GOLD Charge Card and NOT the Revolving Card, I called explained and reminded them that I was a " NON-Profit '' Small Business and again they refused to convert the card to a ( Blue Card or a Card for Small Non for Profit Org Revolving Card that carries a Balance Overtime which would have enabled me to make monthly payments. ) Since XXXX XXXX American Express deliberately locked me out of my accounts online preventing me from visually seeing charges made on my account ( s ) and or disabling me from disputing charges and therefore I was unable to make payments, I 've called in numerous times to make complaints regarding this issue and I 've also made a complaint and requested that my accounts to be merged into XXXX revolving payment account as it should have been initially. 
American Express is intentionally causing their clients and consumers to default in payments and therefore charging Consumer 's Late Fees, and Canceling and closing out our accounts as a result their " Unethical Business Practices ''! 
This was reported and reflected on my Credit Rating as Late Payments and Therefore I was unable to be approved for a Balance Transfer with XXXX. 
I 've called them multiple times and they refused to assist to resolve any issues. They will however call you XXXX in the Mornings before XXXX and XXXX XXXX and will call you late at XXXX between XXXX and XXXX XXXX! to ask you for payment arrangements! 
I 've also called in my payments or scheduled payments in the past, but they also botched that up as well by debiting my account before they agreed payment date causing me to have over draft fees with my bank. So I no longer trusted American Express do that as well. 
They are making it hard to make the " Pay-Off Process '' very Hard! and I 'm also Disputing my Current Bill for the Gold Business Card amount {$1900.00} my spending limit was {$1500.00} Nothing has been charged to the account since XXXX XXXX. I 've returned a lot items and do not believe my account was properly credited. In XXXX XXXX I had a XXXX Balance! How did this account become so inflated! Every time I 've asked to speak to a Supervisor, i was always told sorry no one is available or they disconnect my call too.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NH).
Issue: Using a debit or ATM card

Complaint: Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I had my home mortgage with Bank of AmericaI went thru hell for over a year to get a loan modificationSo I would n't be foreclosed XXXX finally got approved to get my payments downFrom about XXXX. Mo to XXXX. A monthA couple months later they sold my mortgage to countrywideWho was then taken over XXXX sent me my mortgage bill and it was back upXXXX XXXX. XXXXI am a widowed XXXX yr old woman who doesn'tKnow where to turnEach bank says it 's the others problemI 'm afraid of foreclosure because that one paymentEats all my social securityI just had a bout with XXXX and have medical issuesAnd bills and need direction can someone pleaseGuide me or help me get myPayments affordableAll my utilities are XXXX months lateThe house is falling apartThe roof leaks basement floods windows andDoors stuffed with plastic bags to keep weatherOut furnace air and sump pump are oldAnd in bad conditionI really really need help getting these paymentsBack to XXXX or XXXX a month

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation