milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been trying for almost 2 years now to get the delinquent payments on my mortgage corrected on my credit report ; however, Fay Servicing has still not complied. I have had numerous conversations, but the following dates reflect my request via email : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the period of XX/XX/XXXX, my loan officially was in modification stage. As such, I am not allowed to make any payments. Once the modification and terms were provided, the Underwriters made a huge error such that my new monthly mortgage amount far exceeded my monthly gross income. This meant they had to go back to underwriting, yet the clock kept ticking. From XX/XX/XXXX to XX/XX/XXXX, while the new modification was being worked on, I was advised not to make a payment, but every month I was marked as being delinquent. The new modification which started in XX/XX/XXXX and ended in XX/XX/XXXX, I made all of the required payments. No payment was required in XXXX, with the first payment under the new terms of the agreement due in XXXX. I have submitted all payments on time, yet Fay refuses to make the changes, driving down my credit score. I have already been turned down for a credit card and this may impact my current search for employment. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX. I keep getting calls from XXXX of TCS, phone number XXXX. The problem is this woman keeps calling me for a medical debt my daughter, XXXX has. My daughter does not live with me, and has n't since XX/XX/XXXX. Both myself, and my daughter have asked his woman REPEATEDLY to stop calling me. I work graveyard shift, and she wakes me up every time. She told my daughter the second time my daughter called that she completely removed my number from the file. I received another call yesterday, and I am fed up. This woman has threatened my daughter about ways to collect the money, and she has no business calling me. The only connection I have to my daughter 's car accident that this medical bill has come from, is that I had to watch my daughter in XXXX. Please do something about this woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Could not obtain free credit report from Experian using the annualcreditreport.com site because when Experian 's turn came their web site reported some error and gave a postal address to use to request a report. I visited Experian 's site ( to find a way to complain ) and saw an offer for my report and my credit score for {$1.00}, and agreed to the {$1.00} cost, rather than go into the hassle of ordering a report by postal mail. They charged my card {$1.00} on XX/XX/2016 and I received a score and was able to download my credit report. On XX/XX/2016 my card was charged {$21.00}. I immediately called Experian to request a refund. They informed me I had signed up for a recurring charge and no refund would be given. I insisted and asked to speak to the representative 's supervisor. After a brief wait another person came on the line and said no refund be given. I told her I would look for a way to report this and considered it a fraud and a scam, and that I never knowingly signed up for any recurring charge. She basically said " go ahead ''. She insisted the site showed a notice that I would be signing up but I insisted that web servers sometimes have errors or have pages in the process of being modified and that I did not get any such notice. She again refused any refund. Of course I cancelled the recurring charge but it just was not worth the life stress that would be caused by pursuing the {$21.00} already charged ( not knowing I could report it here ). Also I actually fear these credit reporting companies, which hold so much power over our credit, and I did not want to take the risk that someone at Experian might retaliate in some way. But today I saw a news report that seemed to indicate others had this same problem and the company had agreed to refund customers charged in the scam. I would like to add my claim to the list to be refunded.

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 07-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (UT).
Issue: Account opening, closing, or management

Complaint: Several months ago I received a targeted promotional offer ( code : XXXX ) from Citibank to open a Citigold checking account and receive XXXX AAdvantage miles as a sign up bonus. The requirements for this promo were that at least {$1000.00} dollars be spent in the first two months on the attached debit card and that I make two bill pay payments in the first two consecutive months that the account is open. I opened the account in XXXX and after I completed all the requirements, I sent a secure message to Citi customer service to confirm my enrollment in the promotion and that the requirements were met. They responded on XXXX and assured me that I was eligible and enrolled in the promo and that all the requirements were completed. A screenshot of that secure message is attached to this complaint. 

The promotion disclosures document says, " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' The date on which I completed the last requirement was XXXX XXXX, 2016. Therefore, according the Citi 's own terms, I should have received the points by XXXX XXXX, but the points were never credited to my account. Instead, Citi tried to change the terms of the agreement and say that I would receive the points by the end of the month of XXXX. They claim that the 90 day waiting period does not start until the end of the billing period in which the requirements are met, contrary to what the promo disclosures page says. 

Last week I called customer service to inquire about when my bonus would be processed, and Citi impformed me that they closed my Citigold account on XXXX XXXX, 2016 and told me that they are denying me the promotion bonus miles. This account closure must have been backdated, as I made a cash advance from my Citi credit account and deposited those funds into the Citigold account in order to cover its montly fees on XXXX XXXX, 2016. Citi has disallowed me from viewing my past checking account history and statements online since the account is closed, but I do have a screenshot of my credit account activity which shows the transfer made into the checking account on XXXX. This screenshot is attached to this complaint. I believe this to be a deliberate attempt to deny me the bonus miles that I have rightfully earned according to the terms and conditions of the promotion.

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 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Federal Student Loans - Cause Of Action Dismissal - Schedule Appointment XXXX XXXX ToXXXX XXXX XXXX Today at XXXX XXXX Hello,
 My name is XXXX XXXX and I am the Federal Student Loan Discharge Specialist here at XXXX XXXX XXXX
 
I am reaching out to let you know that the Department of Education (DOE) has added your school to a list of schools that file a "Cause of Action" claim. This is a Grievance Discharge of all Federal Student Loan Debt for students who feel misled or defrauded when it comes to their school experience.

 
Have you been made false promises to regarding job placement or assistance?

Have you been lied to about your credits being transferable to other college/universities?

Have they failed to thoroughly explain to you the full cost and breakdown of your entire tuition?

 
These are some examples of questions that if apply to you would deem you eligible for this Grievance Discharge, and if approved you could be completely dismissed of all your Federal Student Loan Debt and reimbursed on all voluntary payments you have made to your student loans thus far. If you have ever received any credit damage due to these loans, that damage can be completely revoked.

If you would like to check your eligibility further, please contact me via email or phone. I can go over your case and see if you are a valid candidate for this program. Have a great day and if you know of any classmates or friends/family that this might apply to, please pass along this information.
Thank you very much
 
 
Please email me or call me to schedule an appointment if you feel this applies to you.

-- XXXX XXXX XXXX Loan Discharge Supervisor XXXX Direct: XXXX ext XXXX  FaxXXXX (XXXX) XXXX Email:XXXX Web: XXXX XXXX XXXX XXXX XXXX "This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message." Thank you for your cooperation
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: yes i walked into a branch at bank of America to open an account. They ran my social security number and stated they can not open an account or even override it because my account is showing by security as closed for fraud of identity. I never had this issue with BANK OF AMERICA. so I requested the branch manager they contacted the security dept which in hand stated they have no account previously showing with me at allbut someone put a block for an unspecified reason on my name and social security

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 04/26/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To Whom It May Concern : I am asking for a legal debt validation of the following collections account that has been previously deleted from my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act. 

XXXX XXXX {$1500.00} # XXXX I am disputing this and you have 30 days to complete your investigation. If you can not verify it you must delete it. The FCRA requires you to notify me no later than 5 days after the date of reinsertion. The debt collection agency has not certified that the information is correct. Thank you for looking at this matter. If this is not resolved I will begin litigation and file suit. 

Sincerely, XXXX XXXX XX/XX/XXXX SSN : 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 09-07-2017 about Debt collection (I do not know) with Performant Financial Corporation (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls everyday and calls my place of employment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am looking to pay back the original loan amount that I took out to attend XXXX  school ( {$170000.00} ). I have paid {$36000.00} over the past 4 years and the loans continue to increase every month. Again I have a lender that is willing to pay the {$170000.00} for me right now but I need help in making this happen. The interest rate they are offering me is extremely low and will help both my family and I. The loan company has made {$36000.00} from me in the interest I have paid them. I am currently on the IBR plan which takes 15 % of my income for my payment. If I were to lose my job they would n't receive any money at all. It just really seems criminal that the government can continue to take money from people and the balance continues to increase!

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TENET HEALTHCARE CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: CENTRAL FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX $ XXXX # XXXX OPEN XXXX HAVE NUMBER OF TIMES REACHED OUT TO THE ABOVE CONSUMER TO MAKE THEM AWARE THAT THIS ACCT IS NOT MINE AND NEVER BEEN TO THIS MEDICAL FACILTY. IF NEEDED I WILL FILE AND TAKE CHARGES AGAINST THIS MEDICAL COLLECTION IN NOT TAKEN OFF MY CREDIT REPORT. 

THANK YOUXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Portfolio Recovery has placed a collection on my credit file. However, they have yet to provide any validation for the debt. Nor have they provided a signed agreement between their company and myself stating I owe their company. The amount for the debt is {$430.00}. The debt is stated to be opened on XX/XX/XXXX, 2016. I  have no recollection nor an agreement with my signature stating I owe debt to Potfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Settlement process and costs

Complaint: We placed our home on the market in XX/XX/XXXX. In XXXX, a couple who was pre qualified by Chase Mortgage, signed a contract to purchase our home with a closing date of XXXX/XXXX/XXXX. Because the buyers were pre qualified, we began searching for a home and also signed a conitingency contract. On XXXX/XXXX/XXXX I contacted our real estate agent to follow up with the buyers agent on us closing on XXXX/XXXX/XXXX. We were notified that the buyers had a small hiccup on a stypend issue which would be cleared up by XXXX/XXXX/XXXX. All parties agreed to sign an amended contract for XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I again inquired to make sure we would be closing on the date the contract ended. To my knowledge no other issues were discovered with the buyers financing, so everything should have been ready for the contracted closing date. On XXXX/XXXX/XXXX, we were Informed that a supervisor from Chase was assisting in the loan and was working to make the XXXX/XXXX/XXXX closing date. Based on the facts there were no other issues with the buyers financing, but a case of someone at Chase not doing their job. On XXXX/XXXX/XXXX we were informed the buyers signed their preliminary closing documents and completed a waiver so that they would be able to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX XXXX,! we were notified by the buyers agent that the waiver was denied and we would again have to sign an amendment to close on XXXX/XXXX/XXXX, so the buyers would be in compliance with the TRID laws. The bottom line : Whoever was in charge of this loan is either incompetent or lazy. The only recourse we have as a seller is to punish the buyers, who did nothing wrong, and terminate the contract. There is no punishment for lending institutions for not doing their job. I used a different lender in my home buying process and we were ready to close on XXXX/XXXX/XXXX. In the meantime, I have exhausted 3 weeks of earned time off for nothing at a cost of about {$5000.00} dollars, and XXXX dollars on a rental truck, because of the late notification. Not to mention the inconvenience of living out of boxes and suitcases expecting to close on a contracted date only to be told on 2 separate occasions we were not closing. This is unacceptable and I would like someone to tell me why Chase is not liable for incurred expenses by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XX/XX/2018, Citi notified me of suspected fraud on my credit card. I immediately confirmed for them that a charge to a company I have NEVER done business with, XXXX XXXX, for {$200.00} was FRAUD. Citi immediately closed that card number out and sent me a new card with a new number. Citi did reverse that one fraudulent charge and another, also. Today, XX/XX/XXXX, only 16 days later, I awoke to a text message claiming yet another charge to XXXX XXXX for {$200.00}, was made. After an excruciatingly long call with several customer service reps with heavy foreign accents, I spoke to a supervisor named XXXX, who gave me her rep or code number XXXX. She claims that XXXX XXXX has the ability to change card numbers to a new card number for recurring charges. This proves that both Citi and XXXX obviously did not take any action whatsoever to pursue the CRIMINAL who is using my account to recurrently pay their bill! I have attached my most recent statement, showing the first fraudulent XXXX XXXX charge of XX/XX/XXXX and Citi reversal of this charge.

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 09/22/2015 about Student loan (Non-federal student loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AC Autopay, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC Autopay XXXX XXXX XXXX, XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.

Company response to consumer: Untimely response
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Quite unsure why i have loans open under my name for a vehicle that i did not purchase

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Trouble during payment process

Complaint: I have XXXX mortgages with Seterus ; I send XXXX separate checks each month. XXXX of XXXX, seterus posted a payment for loan XXXX to loan XXXX ( both checks attached ). I have continued to send two checks each month for these loans ( see attached invoices ). After numerous calls and speaking to supervisors, I was told they can see the problem and they will fix it and notify the credit bureaus of their mistake. This has NOT happened and I am in the mist of buying a house and need this cleared up. Please HELP.

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 07/13/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: I have a home equity loan with Wells Fargo that I wish to refinance with XXXX XXXX XXXX. The payoff quoted to the credit union was {$6200.00} more than the balance of the loan. Wells Fargo says that is to cover insurance they placed on it from XX/XX/XXXX till XXXX. I have always been fully covered by XXXX insurance. XXXX verified that they did fax proof of coverage for that time period to Wells Fargo XXXX. XXXX re-faxed all pertinent documents again today. Wells Fargo is telling me it will be 12 days before they can " process '' the faxes! Meanwhile my loan ca n't close with XXXX. Wells Fargo has had the documentation needed since XXXX. In addition, how could lone year of insurance on a {$170000.00} home in XX/XX/XXXX cost {$6200.00}?? Wells Fargo seems to be very inept or very dishonest.

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