milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: I have my mortgage through Mr. Cooper, previously Nationstar since XX/XX/XXXX. All payments have been made in full since the start. In the most recent escrow Annual Escrow Account Disclosure Statement, my monthly escrow payment increased from {$330.00} to {$480.00}. I called and spoke with a representative today ( XX/XX/XXXX ) in the escrow department who identified that there were two payments made in XXXX and XXXX of this year to PMI. {$410.00} was paid in XXXX and {$1400.00} in XXXX. I was transferred to the PMI department and spoke with a representative and a supervisor. I was told that the reason for these two payments was due to my PMI having not been paid. Based on the total ( {$410.00} + {$1400.00} = {$1800.00} ) and the amount of my PMI ( {$58.00} ), 32 payments were missed which indicates that payments have not been made for my PMI since the loan originated. The statements that I have received from Nationstar and Mr. Cooper indicate that payments were being made for PMI. On the attached statements there is a section called Prior Escrow Analysis Account History, which has the wording " This is a statement of the actual activity in your escrow account from xx/xx through xx/xx. '' I was under the impression that my PMI payments were up to date based on this information. I have received two refund checks from Nationstar/Mr. Cooper since the loan originated - {$750.00} on XX/XX/XXXX and {$220.00} on XX/XX/XXXX. The supervisor at the PMI department advised that I would not have received these refunds had the PMI payments been made. I, however, did not know that the payments were not being made and therefore thought that the surplus checks were indeed surplus after having all escrow liabilities paid. At this time, I am now expected to pay an additional {$140.00} per month due to this error that went unnoticed for 32 months. The error was noticed, according to Mr. Cooper, due to an audit performed by the PMI company and not by Mr. Cooper themselves. I had never received any notice of payments not having been made or that the error was found. This new monthly payment amount is outside of my budget due to Nationstar/Mr. Cooper 's error.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit line increase/decrease

Complaint: The credit line on my Wells Fargo visa was lowered from XXXX to XXXX because my credit bureau report in XXXX 2016, showed unusually high balances. However, all of these balances have been paid off in full or were due to fraudulent activity on my credit cards. My credit bureau report as of now shows ZERO balance due on ALL my credit cards ; my credit shows PERFECT now as it should. It is not right that Wells Fargo should penalize me by lowering my credit line due to unauthorized fraudulent activity out of my control that showed temporarily on my credit bureau reports. There are fraud alerts on all XXXX of my credit bureaus now to prevent this from happening again. My credit bureaus shows perfect again with XXXX balance due on all my credit cards. I request that in fairness Wells Fargo reinstate my proper credit line of at least {$10000.00}.

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 05/31/2017 about Debt collection (Federal student loan debt) with AES/PHEAA (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, my issue with myfedloan.org is that once my forbearance expired, I was not notified that my recent application for annual forbearance was declined. I was not able to access my online account and was told that the reason was that my name was spelled incorrectly on a tax document that myfedloan used to identify me. Because of this problem, It was unbeknownst to me that I was 90 days late, and my credit was deeply impacted. I have paid myfedloan account to current and have asked them to correct the late payment, but they told me that they could not.     I have worked many years to create a positiv e credit score, a nd now it is demolished because of this issue that could have been easily remedied if I had access to my online account.     Any help is greatly appreciated. Thank you.     -  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (I do not know) with ERC (SC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Credit line increase/decrease

Complaint: In 2014, I applied for the Mastercard XXXX card. I received the card and was given a XXXX dollar credit limit and required to pay an annual fee of XXXX dollars. I kept up on payments for approximately 6 months and suddenly my credit was dropped to XXXX dollars. This I believe is a breach of contract -- afterall, why would I originally apply for a card that would only give me XXXX credit. I ca n't get rid of the card because it would hurt my credit score. I do n't want to pay XXXX dollars a year for a card that would only offer XXXX dollars after both parties originally agreed to a XXXX dollar credit.

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 08/18/2017 about Debt collection (Other debt) with I.C. System, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I C System Inc has a debt reporting on my credit report that does not belong to me. I 've requested that they remove this debt by sending a certified letter, in XXXX and then again in XXXX, as of today i have heard nothing from reporting creditor, but they 're leaving comments on my report. The debt in question was opened in XXXX/XXXX/XXXX for XXXX for a XXXX account that i know nothing about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: These people try to charge me a debt for a service that was not given to me, I spoke with the XXXX Hospital and they agreed to regulate the prices of those bills, but they even placed me with a collection company and do not want to admit that this procedure is wrong, since only by removing the XXXX of a XXXX they are charging me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (IN).
Issue: Loan servicing, payments, escrow account

Complaint: This is in regard to a HELOC that should have been closed at closing of selling home. US Bank is charging me {$75.00} a year for an equity line of credit attached to a home I no longer own. I requested during closing of house and was told that it would automatically be closed since I do not own the own. I then took a statement of {$75.00} to XXXX XXXX XXXX, XXXX, US Bank and asked them to close the account. They said sure not a problem. 3 years later, I am trying to buy a new home and this is still showing on my credit and I now owe {$220.00}. I 've talked to the mortgage loan department and they say I owe, however I do not have access to this line of credit. I 've talked to the USBank XXXX branch again and they keep putting me off and that I will need to pay the {$220.00} in order to close the account. XXXX at XXXX branch acknowledges that I do not have access to this line of credit since I do not own the home. My complaint is to somehow help me get US Bank to close this line of credit attached to a home I do not own. USBank insist that I pay the fee of $ XXXX year even though I do not own the home of XXXX XXXX XXXX XXXX, XXXX, that the equity line of credit is attached. 
Thank you for your assistance in getting this matter resolved. 
XXXX 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 non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.

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 EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach cause me to be at an extremely high risk for fraud for the rest of my life

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This debt is for a closed account. The company will not submit documentation to owner of the loan ( myself ) with proof of payments. Furthermore, I have documentation ( bank statement ) of a {$3000.00} payment made by the cosigner of the loan in 2014 which can not be located by the company Navient. At this time, I have been requesting for years all of the documentation listed below : Preferably all documentation pertaining to XXXX XXXX XXXX. If for some reason this is too difficult, I 've singled out several key items : Monthly Financial Transactions ( Statements for each loan ) Documentation of Defaulted Status Principle and Interest Payment Documentation for receiving of payment in 2014 Loan Status Marked as Delinquent for XXXX credit status - Requesting documentation of change from Default Status to Delinquent status. Please mail these documents to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Problems caused by my funds being low

Complaint: I opened a personal checking account with BBVA Compass bank located at XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, and when using my ATM card on a purchase one day, my card was charged overdraft fees after the ATM authorized transaction fees exceeding the available amount in my checking. I disputed the fees and received no help. When I attempted to close the account, the bank was uncooperative and hassled me by USPS to pay the fees putting the account in default status. I have read this article- XXXX/

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with ERC (VA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: First, the debt is over 6 years old. XXXX keeps selling it to different debt collects. I already informed one to stop calling me because I was unemployed and could not do anything at the moment. They continue to call me 4+ times a day. They have hung up on me when I ask for names and they now called me at XXXX PM on XXXX When I asked them why they were calling me after XXXX, they hung up. They called also today on XXXX at XXXX XXXX. I have asked them to stop calling me and they have called for the following days and times : XXXX XXXX AM XXXX XXXX PM XXXX XXXX XXXX pm, XXXX XXXX XXXX pm XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX am XXXX XXXX XXXX pm XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX pm XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX om XXXX XXXX XXXX PM XXXX XXXX XXXX AM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX XXXX PM XXXX XXXX at XXXX PM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Have a loan through Navient. Applied for forebearence that was applied XXXX XXXX through XXXX XXXX but Navient refuses to update their credit reporting to XXXX. I have disputed through XXXX, but they did not update and will not allow me to submit another dispute and Navient refuses to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Other

Complaint: Barclay is reporting that I was 60 days late in XXXX XXXX, brought my account current in XXXX XXXX, then in XXXX XXXX allowed my account to go 150 days delinquent and then brought it current again in XXXX XXXX and they charged off my account in XXXX XXXX. This is inaccurate reporting. My account went delinquent in XXXX XXXX and was never brought current again. This account has been on my credit report for 2 months past the 7 year mark and I want it to be removed per the FCRA 7 year reporting law.

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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

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 04/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the public record on my credit report as it is reporting an inaccurate dollar amount i provided proof of the dollar amount that it should be showing and that the debt has been paid transunion and experian will not update correctly. I asked both credit bureaus for information as how the investigation was conducted, I was advised that they do not investigate they ask the creditor to do so. I do n't understand how you can ask someone that is reporting the wrong information to investigate and the dispute was filed with the credit bureau. I was under the impression that the credit bureau would do an investigation. I have spoke withthem several times by phone online disputes asnd certified and us postal mail and no corporation to get this updated or removed

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Walmart on 6 c onsecutive times sent damaged and poorly packaged products to my home. I filed a complaint with the BBB and got some help only to have it happen  XXXX  more times. I tried to pay off my account and the drop down box scrolled to  XXXX   XXXX   XXXX   XXXX  bank instead of  XXXX   XXXX   XXXX  which I had selected. A few days later I saw that  XXXX  returned the payment and charged me {$29.00}. I went back into m y WALMART  Credit Card and REMOVED the  XXXX   XXXX   XXXX  union from my payment options so that it would never happen again and payed with  XXXX   XXXX   XXXX . My account is payed off. Even though this is the first time it happened and I formally contacted both th e Walmart Executive Office and   Synchrony Bank the issuer of the credit of the credit card. Today I get a letter dated  XXXX / XXXX /  XXXX   that my payments were returned too many times? WHAT? Today I get a letter dated  XXXX / XXXX /  XXXX   in response to my formal complaint and explanation that everything is okay with my account. Today I go online and my account is closed for having too many payment returned. Say What?

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/2018 I submitted a review of an erroneous item on my credit report. A lien, that was withdrawn and XXXX note it was released/withdrawn but did no remove it from the report even thought the could not verify it and had evidence it was withdrawn.

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