milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i recieved a notice from XXXX dated XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX, thanking me for opening a credit card with XXXX, in the name of XXXXXXXXXXXX. I did not open a credit card with XXXX through XXXX XXXX XXXX. I notified XXXX on XXXX/XXXX/XXXX that this was fraud. I filed a police report on XXXX/XXXX/XXXX with the XXXX XXXX Police Department. On XXXX/XXXX/XXXX, I recieed a letter from XXXX about the fraud report. I filled it out and returned to them. On XXXX/XXXX/XXXX. I recieved a bill from XXXX XXXX XXXXr where someone rented a card in my name. I notified them that this was not me. I filled out an affidavit and had it notarized and returned to them with a copy of the police report. XXXX XXXX XXXX called me on XXXX/XXXX/XXXX, concerning damage to this same vehicle. I sent them a copy of police report and affidavit. I also sent a letter to Equifax, stating this was fraud and to remove from my credit report. They have not did this.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: I have applied for a HAMP loan modification that I clearly qualify for based on this criteria. 
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident. 

Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours. 

So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.

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 Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling constantly. My cell and my workplace phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Fraud by my mortgage company - not complying with the Obama law about the mortgage and receiving false documents.I asked for copies of our taxes and received paperwork with my name with incorrect address. 
They have been increasing our escrow and I believe trying to cheat us all the time. When they gave us a loan mod there were stipulations which should not have been plus the principal was not reduced. We were under water and the house at the time was not worth what is owed, we have not moved and have had the same address for over 10 years. We never received documentation of them taking over our loan. 
We have asked them for original documents and they can not provide them. 
They always send some form of excuse. I am tired of every year they are always increasing our payment. 
They keep sending all these paper work with false documentation and no one is holding them accountable and I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: As of XXXX XXXX Nationstar stated to my lawyer, XXXX XXXX, that I have not paid any mortgage payments since XXXX XXXX. Meaning they think I am delinquent for about {$5500.00} ( estimated ) to my mortgage. They filed a motion with the bankruptcy court on XXXX XXXX, XXXX to be relieved from the motion to stay to foreclose on my house. They have tried to do this before in XXXX and due to lack of proof on their end and substantial proof of payments on my end the case was dismissed. Once again I am in the same situation of having substantial proof of payments on my end and they have nothing to support their claims on their end. However, having to go through the hassle time and time again plus the added problems of them not letting me see how they are applying my payments or showing me anything regarding my mortgage. I have sent several requests to Nationstar 's Bankruptcy Lawyer via a certified RESPA Qualified Written Request, Complaint, and Dispute of Debt and Validation of Debt Letter to request that Nationstar give me copies of my mortgage and see how they are handling it, but time and time again they just deny me and send incomplete paperwork. I am beyond frustrated at this point and now I suspect they have done some illegal things with my mortgage if they refuse to give me access. It must mean they have something to hide. Here is my proof of payments through XXXX up to date and, once again, this is complete mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. 

My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. 

The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. 

The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. 

I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2015 about Debt collection (Credit card) with CITIBANK, N.A. (AR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have a judgement against my ex husband on XXXX bills that still show on my credit score. How can I get this off my credit score and on his???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I used to have an American Express XXXX XXXX, which I closed about a year ago. A few days ago, I received a bill from American Express saying that I owe then {$920.00} ( due by XXXX/XXXX/15, closing date of XXXX/XXXX/15 ) on this closed card. The bill shows a charge for {$920.00} processed by American Express on XXXX/XXXX/15, in XXXX XXXX ( XXXX XXXX XXXX, a hotel ). I immediately called American Express and informed them that I no longer have this card, which should have been closed a long time ago. A person at the fraud department at American Express did reverse that charge, but refused to tell me how any charge, whether fraudulent or not, could be processed on a closed credit card account. I was also informed that I will never know how this happened. I 'm filing this complaint because this suggests that American Express has a huge gaping security loophole that needs to be closed, and the public needs to know about this. I would also like a much better explanation on how this happened and what I need to know to prevent future incidents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have tried to work with XXXX XXXX for years but they keep putting me in forbearance and now my loan has gone from {$60000.00} to over {$200000.00}. 

I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Closing/Cancelling account

Complaint: I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On XX/XX/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at XXXX. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but XXXX returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. 
I checked the XXXX on and internet search and found it associated with this company : XXXX . 
XXXX XXXX XXXX XXXX, PA XXXX On the phone call they called themselves Synchrony Bank. I provided the last 4 digits of my Mom 's social security number thinking I was talking to a bank.

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 12/19/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Citibank put through an unauthorized charge on my account six months after I have dealings with a merchant on another matter. They have refused to provide any documentation regarding authorization of the charge. Meaning, they say they have no documentation and tney say the merchant has no documention, and they neither they nor the merchant are required to provide any documentation. The only documentation they have is documented correspondence from me and phone calls that they charge was fraudulent and not authorized and not paid for six months. They do n't know who decided to pay them but they said it does n't make a difference. They do n't have to do anything or supply me with any copies of anything authorizing the payment. They are very sweet and apologetic and said they will correct it. But the the office of the president got involved and said they do n't have to do anything. It 's been back and forth and back and forth, and in almost a year now they have nothing other than my instruction not to pay anything to the merchant because the bills had already been paid by another credit card.

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 11/23/2016 about Debt collection (I do not know) with EZCORP, INC. (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: a company calling on behalf of EZmoney has called my grandma, grandpa, and myself and other family members over XXXX times telling my XXXX grandma unless she paid them money i was going to be arrested and charged with a felony and serve 5-7 years in prison this also was said multiple times to my grandpa at a seperate number also to me they read a license plate number from a car i had 15 years ago and threatened they were coming out right now to arrest me to both me and my grandparents i have signed affidavits from the two of them and me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Midland to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Pinnacle Credit Services, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX STILL HAS {$49.00} THAT I PAID TO CLOSE MY ACCOUNT WITH THE CREDIT UNION XXXX XXXX XXXX XXXX XXXX HAS {$460.00} THAT I CLOSED 10 YEARS AGO IS STILL ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MD).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016, I went to the Citibank branch located in XXXX, XXXX ( XXXX XXXX XXXX ) at approximately XXXX. I attempted to deposit a third-party check into my Citigold account endorsed to me by the payee ( my fianc, who also has an account with Citibank ). At least monthly for the last year, I have made this deposit without incident. I was initially told by the teller that Citibank does not accept third-party checks. I requested to speak to the Citigold representative, XXXX XXXX. I asked XXXX XXXX if he could look up the third-party policy and let me know what it says and I asked if there had been a recent change. He stated he did not know and was unwilling to look it up after several request. I asked to speak to the manager, XXXX. XXXX. XXXX XXXX gave very terse responses when I asked if he would call the payee and verify with him directly or look up the policy and explain to me what it says. At this point, it was XXXX. XXXX XXXX stated there was no third-party check policy at all and that he makes the final decision and was not willing to accept my deposit. However, he gave no additional reason ( s ). I left the bank feeling like I had been treated like a third class citizen. Feeling like what I was told was untrue, I logged into my Citigold account and searched for the client manual. There, on page XXXX, under " Check Cashing, '' it states " Third Party Checks. In certain instances, we may allow you to cash a third-party check ... .at a Citibank Branch up to the available balance in your account using your Citibank banking card as identification. '' This was beyond upsetting as I blatantly lied to and refused rights listed in the Citibank Client manual. Neither the Citigold representative nor the manager bothered to look up my account balance ( $ XXXX ) or ID me through my bankcard. I was deceived and treated unfairly.

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 08/27/2017 about Debt collection (Credit card debt) with TCF & ASSOCIATES (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Received call at work from " XXXX XXXX '' at XXXX and XXXX, XXXX, also known as The XXXX XXXX, claiming they would take me to court for " malicious intent to defraud a financial institution '' and " breach of legally binding contract. '' I contacted the original debtor and they have no record of me owing them money. I have paid all my debts and have a good XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit bureau refuses to remove fraudulent information after receiving a FTC Fraud Affidavit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage Company applied our XX/XX/XXXX mortgage payment to escrow. In the XX/XX/XXXX mortgage statement dated XXXX/XXXX/XXXX, Nationstar charged us a late fee of {$110.00}. I called them on XXXX/XXXX/XXXX to notify them that my XX/XX/XXXX payment is not late. Nationstar representative researched and found that my payment was applied to escrow and she said she will correct the mistake and also stated it will reverse the late fee. However, Nationstar reported my account as 30 days late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I borrowed {$10000.00} from Wells Fargo for a private student loan while I was a XXXX. The loan was taken out on XXXX XXXX, XXXX. I graduated and began paying back the loan in XXXX XXXX. Before the principal repayment began, I was being charged 10.313 % interest, when the principal payment began the interest rate jumped to 10.753 %. The total finance charge for my loan, at repayment, as you can see from the attached document, was {$13000.00}. The total amount I will have paid, after all payments have been made is {$23000.00}. 
My principal balance due as of XXXX XXXX is {$10000.00}, per a conversation with a Wells Fargo Rep. My monthly payment amount is {$130.00}. According to last month 's statement, {$44.00} of my monthly payment was applied to the principal and {$61.00} was applied to the interest ( and I had a {$28.00} late fee ). 
During my repayment period, there have been months were my payments were late due to lack of employment, however, the loan payments were always made. Wells Fargo charges a {$28.00} late fee after a 10 day grace period. 
I feel that the interest rate and the pay back amount is exorbitant. If this had been a federal student loan it would be governed by federal regulations. Wells Fargo would not be permitted to take advantage of students needing funding for education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with JPMORGAN CHASE & CO. (CO).
Issue: Identity theft / Fraud / Embezzlement

Complaint: While in XXXX, someone gained access to my debit card information and made a series of withdrawals from my account totaling over {$970.00}. Upon returning to the US I discovered the issue and reported the fraud immediately to Chase. They filed a claim and gave me a temporary credit. Three weeks later, I notice that they are reversing the credit from my account without any notification or explanation. When I call Chase they inform me that my claim was denied because ( they claim ) I logged into the website twice between the date of the fraud and the date I reported it. I have no way of knowing if it was actually me who logged in or not, and they have provided no proof. They claim it must be me because there was a login, despite the fact that someone was clearly stealing my information at the exact same time in order to make the withdrawals. Even if it was me that logged in, why does logging in to pay a credit card get them off the hook for losing nearly {$1000.00} of my money? They refuse to give me any additional information or provide a credit to replace my stolen funds, apparently all because of this unproven loophole. I plan to cancel my account and never give any business to Chase again in the future. Clearly this login policy is designed solely to deny valid claims of fraud and save a XXXX dollar company a few XXXX bucks that come of out my pocket.

Company response to consumer: Closed with monetary relief