milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Trouble during payment process

Complaint: RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.

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 Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: X/X/17 Experian experienced a cyber security failure exposing my personal information to unauthorized use and potential identity theft. 

I have verified through Experian 's website that my personal information was indeed accessed. I did NOT sign up for their free services. 

I intend to place a fraud alert on all of my accounts. This will cause a significant issue accessing needed funds. 

I believe a I am entitled to fair restitution and believe CFPB should persue a case against Experian for these failures to secure our personal 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 non-monetary relief
Consumer complaint received 06/23/2016 about Consumer Loan (Vehicle loan) with NATIONWIDE ACCEPTANCE CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2016, I contacted Nationwide Southeast LLC to inquire about a letter I received over the past weekend from Nationwide Southeast LLC about my payment being past due. They informed me my {$210.00} payment was due XXXX XXXX, 2016 and now I owed $ XXXX.+ due to a past due amount. I informed them the car I purchased XXXX XXXX, 2016 was involved in an accident around XXXX XXXX, 2016 and the car was a total loss. I paid the payment in XX/XX/XXXX knowing the insurance claim would not have been processed by the payment due date. The insurance company sent a payment of $ XXXX.+ They confirmed they received that payment on XXXX XXXX, 2016 and it " went towards the balance, '' however, I still owed for the " payment due. '' I asked why the insurance payment was not used for a payment that would have been due XXXX XXXX, 2016. They stated it went towards the balance, but I still owed the payment due amount. I asked again why the insurance payment would not go towards both a balance and payment due. Of course it was a circular conversation at that point. 
I am filing a complaint because they are concrete in their explanation and it does not make sense to have a very much reduced balance that is not considered to have sufficed for the XXXX XXXX, 2016 payment. I called today to ask for a breakdown of how my payments have been used to pay against the balance. They stated they had to mail it to me because it is not their policy to email or fax that information. This will cause more interest to accrue against me. I do not mind paying the payment, however by the end of the month the GAP claim should provide the remaining balance to be paid and I am concerned that if I over pay, I may not get a refund in a timely manner or in the amount that would actually be due back to me. 
My view is that a reasonable resolution would be for this to not reflect negatively against my credit, and for the payment due on XXXX XXXX, 2016 to be considered the $ XXXX.+ amount sent by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Deposits and withdrawals

Complaint: Wells Fargo attached my Wells Fargo credit card to my checking account as overdraft protection without my authorization. I called them to dispute this and told them that the charges have hit my credit report negatively. They responded by telling me that their records show that I authorized the use of a credit card as overdraft protection in XXXX 2015 by phone. I never authorized any use of my Wells Fargo Credit Card as overdraft protection by phone, or in any other way. In XXXX 2015, I established a new checking account at my local bank, in person! I authorized my savings account NOT a credit card. Wells Fargo told me " Regardless, you received statements showing the overdraft protection fees electronically, so you were informed. '' This was an underhanded tactic that Wells Fargo used to change me XXXX $ $ in fees. I told them that all I wanted was the negative information removed from my account ( 30 days ). My credit score prior to this was XXXX. It has dropped to XXXX as a result of this XXXX negative item. I will gladly submit my credit report for review as proof and have previous reports to demonstrate the precipitous drop. I have also filed a dispute with Wells Fargo and 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 07/18/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and 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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My husband had filed for bankruptcy back in   XXXX   of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around   XXXX   dollars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: All 3 credit bureaus are refusing to accept my attemots to get a lock or freeze on my accounts. EQUIFAX IS USELESS AS YOU KNOW ( PLEASE PUT THEM OUT OF BUSINESS AND EXECS IN JAIL! 
XXXX says they are too busy and to get back to them - THIS IS URGENT. 
XXXX keeps refusing my accurate information and giving me nowhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2016 about Debt collection (I do not know) with AFNI INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for a new American Express Gold Skymiles credit card on XX/XX/XXXX. There was a promotion going on at that time ( XX/XX/XXXX/XX/XX/XXXX ) that stated if I spent over {$1000.00} in a 3 month period, I would receive XXXX points. I completed these requirements. However, I noticed I was n't getting the bonus points showing up in my statements after completing American Express requirements. I contacted Customer Service a couple of times but was n't able to get this credited. I also sent a letter to their Customer Care and Billing Inquires on XX/XX/XXXX outlining my concerns. I recd. a response dated XX/XX/XXXX denying my request to credit my account with XXXX points Dispute Reference # XXXX. ( Note -- I did have this same card several years ago -- Opened on XX/XX/XXXX and ended up closing on XX/XX/XXXX ). The reason basically given for not awarding me the XXXX points was I had this card previously and was not eligible for the bonus points. American Express indicated that per the Terms and Conditions of the Gold Delta SkyMiles application process, I am not eligible to receive this offer again. I have gone back through this application process at the time I applied ( XX/XX/XXXX ) and there was no Upfront notice that I would not be eligible. I have seen later promotional  advertisements on internet from A.E. on this program that does mention not being eligible for this offer if you 've had it before. However, that did not occur in my case. Had the promotional offer I signed up for on XX/XX/XXXX clearly stated I would not be eligible, I would not have signed up for this card. I feel like I lived up to my part of the Contract and American Express has not. I am aware of some other individuals who signed up for this very same card about the same time as I did and some received XXXX points and they also had previously signed up for this same card and promotion a year or two previously. Something is n't right here. If American Express was more Upfront in their Disclosures, I could accept that, but that was not the case. I feel like this Promotional offer was something like a Bait and Switch Operation. I understand most people would not spend the time to complain about a rather minor issue but I do n't like any organization taking Advantage of me and therefore I request you consider this complaint and act accordingly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Got accepted for the card but still got an inquiry!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have made numerous attempts requesting the validation of debt. I have requested on writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed. I have not been given enough information to validate debt.

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 07-09-2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Late fee

Complaint: I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Medical) with Credit Bureau of San Luis Obispo & Santa Barbara Counties (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had reviewed my credit report and noticed I have XXXX medical bills on my credit report unpaid. I called my medical insurance company to find out why these XXXX bills have n't been paid. the hospital did n't summit the claims for these bills. i understand the hospital is not responsible for billing your insurance, how ever when they assume the assignment it is there responsibility, to bill the insurance and follow up with the billing process. the hospital had another company handle there billing process where the hospital later had issues with the billing process. this hospital turned this matter over to collection. I tried to excercise my rights with a debt validation requests, and received to print outs from the collectors on the print out the XXXX bills state paid. the collection agent state these bills are n't paid I know they are n't paid by me but why do my bills state paid on them. by the way the collection agent sent me information for another client they are attempting to collect on medical bills by mistake and told me to throw them away.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've done extended research on how creditors and the XXXX credit bureaus report information on my credit report. I 've been monitoring my credit since XX/XX/XXXX, I did this in preparation to purchase my XXXX home. After I became a homeowner in XX/XX/XXXX, I kept monitoring my credit reports/scores with the intention of refinancing my home within the next year and be able to obtain a lower interest rate. This past week, my car broke down, therefore against my will, I found myself in need of a new car, this meant that I would have to allow a creditor to pull my credit and take the " hard-hit '' on my credit report. I looked for a new vehicle online for several days. I saved information of the vehicles I was interested in, I 've contacted the dealers and owners of the vehicles to make sure they were still available and at that point I scheduled time to go out and test drive the cars. After many days of researching pros and cons on my already narrowed-down choices, I finally picked the car I was comfortable buying. The car was at XXXX a dealership in XXXX XXXX, IL. I visited the dealer, XXXX a sales man greeted us ( my husband and I ) and showed us the car, we test drove the car and decided it was time to sit-down and negotiate on the price, we set-down with XXXX ( the sales man ). Once we started discussing financing options, I explained my situation and made XXXX aware that I was monitoring my credit meticulously, I explained my reasons and told him I would allow them ( the dealer ) to pull my credit report XXXX and mentioned that I did not wanted more than XXXX " hard-hit '' on my credit report. It was late at night, past their closing time. They kept coming back with offers on monthly payment that I was not pleased with. At this point, I was under the impression they were negotiating on the price, they did not mention they were allowing several banks to pull my credit report. We did not reach and agreement that night. Next morning, I looked at my phone and had XXXX alerts. It was not just XXXX but XXXX alerts from my credit monitoring account!!! The dealer decided to go against my will and in an effort to provide me with a lower interest rate, they had XXXX different banks pull my credit report, causing XXXX hard hits to my credit report without informing me of their decision. I am furious!!! I do not know if they 're aware of how difficult it is to establish and keep a good credit score. They have ruined years of hard work!!! I have spend the past years stressing about making sure every payment is on time ; making sure I do n't go over 30 % of my approved credit on all open credit accounts and in XXXX night and without my consent this dealer allowed XXXX different banks to performed a hard credit inquiry on my credit report. There must be something I can do to stop this from affecting my credit scores! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling me looking for an ex-employee from years ago. I have responded and requested they remove my phone number ; said they would but continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was attempting to access my free credit report via XXXX.com and requested it from XXXX XXXX, XXXX, and Equifax. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions where about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, XXXX, and Equifax to send me my credit report, preferably online, immediately.

Company response to consumer: Closed with explanation