milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My mother has a reverse mortgage on her home. The mortgage was sold to Champion Mortgage and since then they 've harassed my mother constantly. Now they say that she is dead and the loan will be due and payable and they will foreclose on the home. My mother is very much alive, and was even interviewed on camera today, from our local news station XXXX. They 've been very cruel to her on the phone, and would not tell her, or me ( her daughter ) how they came to this conclusion. The stress that this has caused my mother and family, is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX IS REPORTING AN AUTHORIZED USER ACCOUNT NO.XXXX. I AM IN BANKRUPTCY

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried on numerous occasions to contact XXXX XXXX XXXX, Transunion, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example Transunion tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXXXXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I wish to lodge a complaint about my  Costco Citi Visa car d. I discovered that the card had been disabled on  XXXX   XXXX  when it was refused at  XXXX    XXXX    XXXX  in  XXXX , CA. I had inadvertently missed the  XXXX  monthly payment specified in the  XXXX  statement. The  XXXX  statement specified a  XXXX   XXXX  due date. I had several weeks earlier scheduled full payment by that date, including the late payment fee and accrued interest. Since that statement due date had not been missed, there was no reason for Citi to disable my 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 08/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than 3 months month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX at the phone number XXXX ext XXXX call me on XX/XX/2015 to tell me ones again that my application for short sale has been denial and I have to complete a new application again despite that we have prove our hardship we have 5 month of late payments my income is less the {$34.00} a year I have provide all bank statements tax return invoice of repair for the property I have complete XXXX times the application because each time they denied the application they do n't pay attention and they do n't care for any complaint I am doing to your office the CFPB EACH complaint I send to you they do n't care because your office is not taking any legal action against the chase bank please note I have open today a complain to the Attorney general office explaining that the CFPB SO FAR IS NOT BEEN ANY HELP IN OUR CASEI AM ENCLOSING ALL MY INCOME INFORMATION BANK STAMENTS TAX RETURN AND INVOICES OF REPAIR TO THE PROPERTY SO YOU CAN CALCULATE AND TELL ME WHY I DO N'T QULAIFY FOR A SHORT SALE BY THE LAW THE BANK NEED TO INFOME THE REASON OF THE DENIAL AND SO FAR CHASE BANK JUST PLAY BY ASKING FOR MORE TIME AND MORE TIME VIA LETTER BUT AT THE END THEY DENIAL XXXX TIMES AND ASK FOR A NEW APLICATION PLEASE NOTE WE HAD A BUYER SINCE XXXX 2015 WITH STRONG OFERT {$34.00} cash and because the bank is been playing games the buyer withdraw the offer on XX/XX/2015 at this time the house is bank on the market looking for a new buyer

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX, XXXX OR EXPERIAN DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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 02-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Sale of account

Complaint: My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a bankruptcy filed in 2005 on my report. This bankruptcy was filed by my son XXXX XXXX XXXX not by me. I am XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My  XXXX  Credit Card is reporting me 30 days late. I never made a late payment and only followed directions that their representative gave me.

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 06-02-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Medical) with Clark County Collection Service (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Several request have been sent to validate this unknown item that is listed on my personal credit file. A request for proof of ownership, signed authorization etc. was submitted and nothing has been received. Please assist me

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: O n   XXXX   XXXX   2016 ma iled  3  forms to all  XXXX  bureaus   XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  Trans Union   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2  forms of ID and a Utility bill. I have reviewed my credit report and found information and accounts that I do not recognize tha t may be   a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1  ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it  ) you have on file of the account ( s )  listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately.   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION   XXXX     XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX  UNVERIFIED COLLECTION  XXXX   XXXX  UNVERIFIED COLLECTION   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  UNVERIFIED BANKRUPTCY  XXXX   XXXX  CT  XXXX  UNVERIFIED BANKRUPTCY I have not received any corresponding mail from  XXXX  or Transunion regarding my request to To verify That these accounts belong to me.

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 04-02-2018 about Student loan (Private student loan) with SLM CORPORATION (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I make a payment every month. Upon opening my loan it says I don't have to make a payment or give me an amount to pay. I typically pay {$150.00} then. My principle amount has not changed in 5 months. 

I called Sallie Mae and they told me the money goes to accrued interest. I then looked at my account history. It then shows that interest amounts being taken out on the XX/XX/XXXX of every month and then on the XX/XX/XXXX of every month. I asked where this money on the XX/XX/XXXX was coming from. They told me it was from my payment. I then asked what my interest payment for XX/XX/XXXX was and they told me it was {$120.00}. I asked where did the extra {$22.00} go. They told me it goes towards interest. I asked why? If all the payment that was required was {$120.00} why wouldn't the excess go to paying down the principle. 

And why doesn't it show this on my loan payment history? Also why are these payment broken up for the XX/XX/XXXX and XX/XX/XXXX of every month? I then asked why they don't give me a choice of how to apply my payment on their website? Your only choice is to make a payment. Not how it is applied ( interest, fees, principle )!!! 

I also asked if, my loan doesn't require a payment at all, why isn't any amount going to the principle? I kept getting the same answer of how it is accrued interest and no payment is due until school completion. Why do I get penalized for paying a loan that isn't even suppose to get payments? Shouldn't any early monies be applied to principle so the interest is decreased? How is it legal for them to divide my money/payment on various dates without my approval or paying me interest on my money? How is it legal for them to hold onto money for the next accrued payment and not applying the surplus funds to principle? How is it possible that they don't show this on my loan history? And if they do, how is it I'm not seeing it? How is it possible that they don't offer me the option of paying extra principle/principle after the interest portion is paid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated in XXXX, and have been making payments on my loans since graduation. I worked for a nonprofit organization from XXXX and despite repeatedly asking Navient about loan forgiveness options, was told I was not a candidate. Now if I sign up for a program, I will be starting all over again. Not to mention, I have been unemployed for two months and called and was placed on forebearance but was told my loan payments will be the same when I return to work. I will be paying onthese loans forever!

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I contacted XXXX XXXX at XXXX on XX/XX/XXXX inquiring about an extension on my loan so that I may be able to get the account current. I was informed that I must pay XXXX to be awarded an extension and my next payment of XXXX would be due XX/XX/XXXX. This would give me an extension for XX/XX/XXXX and XX/XX/XXXX payments and put my account current for XX/XX/XXXX. I was given confirmation # XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX was debited from my bank account to pay the required XXXX ( XXXX processing fee ) for the extension. 
XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account XX/XX/XXXX XXXX XXXX Online payment was debited from my bank account My financial institution was bought out, so I am having trouble located the XX/XX/XXXX and XX/XX/XXXX payments. I can find this information if requested. 
My credit report shows me 60 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. According to the phone call and payments that I made these payments should be marked as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Payday loan () with Applied Data Finance, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

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 02/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Problems caused by my funds being low

Complaint: Bank of America charged me XXXX {$35.00} on the same overdraft charge for XXXX item for less than {$20.00}. They said my account overdraft on XX/XX/XXXX but sent a certified email stating that my acct was less than {$25.00} on XX/XX/XXXX at XXXX XXXX. So they waited until sleeping hours to process the charge and before I could transfer the additional funds ( which is totally possible considering I have XXXX accounts with them ) they charged me an overdraft, and not once but FOUR times. I then called and was put on hold for over 30 minutes and got hung up on.

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