milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: According to my credit report I owed {$130.00} to XXXX XXXX XXXX. However, they have no record of me ever having an outstanding balance with them. Neither do I.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am filing this complaint because Equifax delete d SEVERAL a ccounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ],   Requirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information  may not   reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under claus e ( ii ), a co nsumer reporting agency shall provide to a consumer in writing no later   than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I decided to pay off my loan early. When I called Navient on Tuesday,  XXXX   XXXX ,   XXXX  , the Navient representative acknowledged that my payment was received on  XXXX   XXXX ,   XXXX  . I was assured that next month I would receive a letter explaining that my balance was paid in full.   I did not receive any letter, so on Wednesday,  XXXX   XXXX ,   XXXX    XXXX  at   XXXX   XXXX   Eastern  Time   ) I  again called Navient. I spoke with "  XXXX . ''  XXXX  told me that a letter had been sent on  XXXX   XXXX ,   XXXX  , but he also assured me he would send an additional letter. He told me that the letter was coming from Pennsylvania.   Today is Wednesday,  XXXX   XXXX ,   XXXX  . I have not received any letters from Navient : not the first letter, and not the second letter.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with Collection Bureau of America Ltd. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Collection Bureau of America 1 )  continues to attempt to collect debt that was paid in full to the original creditor, and 2 ) refuses to expunge negative mark on my credit record.     Original debt was in amount of {$550.00} for ambulance services, and was paid in full to the City of  XXXX   XXXX  ( honored cheque attached. ) I spoke with  XXXX  @  Collection Bureau of America  on  XXXX     XXXX    2017   , provided the evidence of payment, and no action has been taken on their part since.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I became concerned about the housing market and potentially higher interest rates, so I went down to the bank to combine my " interest only/variable interest '' home equity line of credit with my mortgage, into a single loan with a fixed interest rate. The bank President advised me not to do this. In fact, he said interest rates would only continue to go down, but if they began to go up he would know well in advance of it happening in the consumer market and would contact me. He said he would include me on a list of names he kept on his computer, and would contact me if interest rates began to go up. If they went up, I could come into the bank and use my home equity line of credit to combine my loans into XXXX fixed-rate loan. When the housing crunch of XXXX hit, I received a letter from the Bank of America that my line of credit was reduced to nothing. I was now stuck with a XXXX credit card that the bank XXXX had advised me to get, that was getting ready to go from 0 % interest to a high variable rate of interest and a home equity line of credit that I was now unable to refinance into my mortgage with a fixed rate. I immediately went down to the bank to speak to the President that had advised me. I was told that he resigned and that there was nothing they could do to help me. I had to pay off the credit card with high interest. I lost my job in XXXX and have spent the last 14 years paying interest only on my home equity line of credit. My payments on the line of credit are set to go from {$220.00} to {$640.00} in XXXX of XXXX. I have not been able to afford refinancing on my own and the bank refused to help me because of my unstable employment status, even though I always pay my bills on time and have never missed a mortgage or home equity line of credit payment.

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 03/18/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I own my home free and clear. Pretender lender loan servicer " Ocwen Loan Servicing '' using its cozy relationship with XXXX and XXXX, using fraudulent trustee sales that was taking place in just days as a weapon to coerce me into signing a increased none negotiable fraudulent {$750000.00} loan modification settlement in order to save my home from being auctioned off by crooked shady Ocwen 's buddy XXXX in just days. Then Ocwen and its crooked lawyer " XXXX XXXX '' would not allow me the right to have a congressional hearing before congress to tell my story about all the years of being under severe stress by these companies servicing 's abuses which has caused me serious health troubles, serious harm. Now, after Ocwen, XXXX and XXXX all threatened with fraudulent trustee sales, Ocwen is now using pretender lender loan servicer impounds account as another weapon, forcing my private homeowners insurance into the pretender servicers phony impound account. I paid my private homeowners insurance policy in full because I own my home free and clear. I received a refund from my homeowners insurance company. Pretender lender loan servicer Ocwen Loan Servicing, pretender beneficiary XXXX and pretender trustee services XXXX, all have committed fraud against me. I have evidence of Ocwen putting years of forced placed insurance policies on the pretender lender loan servicers account when I had my own private homeowner insurance policy at all times. Do n't worry Ocwen litigation crooked lawyers puppet XXXX will tell everyone 2=2=5 the sky is green grass is blue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (Private student loan debt) with ECMC Group, Inc. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have previous sent a complaint regarding ECMCXXXX XXXX and now including XXXX XXXX XXXX XXXX contact at XXXX. I filed originally with CFPB last fall because XXXX XXXX XXXX illegally sent my loans to collections while I was XXXX stating " They had sent me notice that my economic hardship had been denied. '' I asked to which address they sent that information ( Knowing very well I was homeless and had no address ) they said they could n't give me this information. So ECMC is still continuing to contact me. I had told them to stop contacting me previously while i was contesting the loan being sent to collections. They have not stopped calling they call daily. XXXX XXXX XXXX called me at my work on behalf of XXXX. I HAVE NEVER OFFERED OR GIVEN THIS NUMER TO ANYONE NOR HAVE I EVER GRANTED PERMISSION TO CONTACT ME AT THIS NUMBER!!! I can not believe this is happening! I have {$55000.00} in student loans in good standing and XXXX XXXX and their blood hounds are harassing me for {$2000.00}. I should have been included in the class action law suite against XXXX XXXX and XXXX that happened at the beginning of the year. Reading the description of what happened in the suite I qualify to have my loans removed.

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 08-05-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: over 7 years since last payment was made -- should be removed from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-10-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Trouble during payment process

Complaint: Hello! 
Please I need support for the below issue : My name is XXXX XXXX I bought a house on XX/XX/XXXX, ( closing date ) now Freedom Mortgage send me bill to let me know, that I need to pay the taxes for the entire year of XX/XX/XXXX {$3700.00}, on XX/XX/XXXX I contacted my closing attorney by e-mail ( XXXX ) XXXX and XXXX XXXX, the builder XXXX XXXX builder ( XXXX ) and the attorney office said that they make a mistake on the closing tax calculation, that they contact the builder and he agree to pay portion of the due. Im 2 month behind in my mortgage for a financial issue and now they going to Increase my mortgage because the mistake that the attorney did, Im affray that I can loose my house. I have this house at the end of XX/XX/XXXX ( not the entire year ). What can I do? I do not want to loose my house, will be too much for me the new monthly payment. XX/XX/XXXX I went to the XXXX county tax commissioner and they told me its nothing they can do, I dont know who can help me with this matter. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX Please check the e-mail answer for all of the people involved in this issue : On XX/XX/XXXX XXXX XXXX EST, XXXX XXXX <XXXX> wrote : > >XXXX, > >The property tax bill and with that the invoice from Freedom Mortgage >is correct. The closing attorney didn't collect enough money at >closing. 
> >The attorney paid Property Tax bill using Un-Improved amount ( before >the house was built ). 
> >The Estimated Property Taxes were Estimated to be {$2700.00} a year- the >attorney collected {$300.00} from XX/XX/XXXX to XX/XX/XXXX. This is reason your >escrow is short. In the meantime the attorney has contacted the seller. 
>The seller agreed to send you a check for the amount he should have >paid. You will receive a check in the mail, but not for the whole >amount just for the portion that was originally owed by the seller. 
> >This is what the attorney said : > >XXXX, > >The Seller has requested a check from their accounting department in >the amount of {$1200.00} ( the difference between the {$300.00} tax credit >XXXX received at closing and the credit he should have received > {$1500.00} ). The check will be made payable to XXXX and he should >receive the check within 10 days or so. 
>

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 01-03-2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: I referred a friend to apply the American Express ( AKA, AmEx ) XXXX credit card a couple of months ago. According to AmEx, I believe I should receive a XXXX points bonus for the referral. However I did not receive that. After contacting AmEx six times within three months about this issue, AmEx refused to honor this promotion. AmEx claimed my friend did not apply through my referral link. However, they did not provide any evidence besides their words. My friend called AmEx and told them she actually applied this card through the link in my email. As a result, AmEx have failed their obligation. I request AmEx to honor their promotion and post the points to my account. 
I am attaching my conversations with AmEx about this issue for your reference. 
Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Ref # XXXX dated XXXX XXXX Chat ID XXXX dated XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Settlement process and costs

Complaint: We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I have a friend, who is on social security XXXX/retirement and receives her XXXX benefit on her XXXX XXXX XXXX ( there is no option offered as to the type of card -- see below website ) XXXXXXXXHer mortgage company is Nationstar and every month she has to make her mortgage payment using XXXX XXXX , which involves driving to the store and cost her {$13.00} ( soon to be {$16.00} ), because Nationstar Mtg does not accept XXXX debit cards, only XXXX. Is it legal to limit someone 's ability to pay their mortgage payment and only accept a XXXX cards? What bothers me is the people it effects -- our XXXX and XXXX who are on fixed incomes. I want to know if mortgage company 's are allowed to do this, how can they accept XXXX and not XXXX? That makes no sense to me and is not only causing a hardship for my friend physically and financially, it affects any other XXXX or retired people who are stuck with Nationstar as a mortgage company and receive their government benefits through XXXX XXXX. Can something be done?

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. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: I just read about the Equifax security breach. I went to their website and followed the steps to see if I was affected. It stated that I am affected. I went to place a freeze on my credit and all 3 credit bureaus sites did n't work.
Equifax 's response and notification about this breach is completely pathetic. Thry have failed on every level. It is their duty to notify people about the breach and offer a free credit report and monitoring for more than 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received a credit card from Target with a credit limit of {$200.00}. I have been paying my debit with a balance of {$78.00}. due to financial problems I neglected to pay the debt and balance was taken over by collection agency. The balance owed has been inflated to the amount of {$450.00} appx. I have tried calling Target customer service but I was referred to call the collection agency. Target will not answer my questions and the collection dept. will only collect a debt that is over inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX RAN MY CREDIT TWICE AND GAVE PERMISSION TO RUN SOLF ONLY

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 05/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Late fee

Complaint: I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.

Company response to consumer: Closed with explanation