milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I filed a dispute with  XXXX ,  XXXX  and Transunion in regards to  XXXX   XXXX   XXXX  collection account listed on my report. And explained that  XXXX   XXXX   XXXX  is in violation in regards to their reporting on my credit report and stated why and showed proof of said violation. However, they came back verified. I sent  XXXX   XXXX   XXXX  a letter certified mail return receipt requesting validation under the Texas  Financial Code 392.202 , Fair Credit Report Act and Fair Collections Act and proof is attached with return receipt dated  XXXX   XXXX ,  XXXX  and  XXXX   XXXX   XXXX  failed to property follow the law and never contacted me in regards to my request it has been over  XXXX  years and  XXXX   XXXX   XXXX  has yet to validate and verify the debt to me per my request as of  XXXX   XXXX ,  XXXX . After giving them ample time to respond I disputed with the credit reporting agencies and let them know of  XXXX   XXXX   XXXX  lack of response in regard to the credit line in accordance with Texas and  Federal Law. However, once disputed on those grounds  XXXX ,   XXXX   and TransUnion verified it thus also being in violation.

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 03-06-2017 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: I recently disputed late reporting on my credit file with Capital One Auto and asked them to address several late reportings. Capital One provided me with statements/proof for some the late disputes. They failed to provide me with Inaccurate late reporting for XX/XX/XXXX and XX/XX/XXXX. I will wait on this information from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Wrong name and address on reports ...

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 01/29/2018 about Debt collection (I do not know) with CL HOLDINGS LLC (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Also the collection it is about an old mobile account that as I know is paid as agreed and close years ago. Plus there is NO verification if they are registered in my estate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.

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 08/18/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing statement

Complaint: Macy 's Department Store charges interest even when a purchase is paid in full. This has happened on XXXX occasions. Both times, when I 've called, they have removed the interest charge, but clearly this is an automated part of their process. The creditor is Department Stores National Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with AR Resources, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2016 I was mailed a request for payment from this collection agency. On XXXX XXXX, 2016 I responded disputing the debt and asking for validation. Thirty ( 30 ) days later I had not received a reply from the company. On XXXX XXXX I mailed them a letter per Texas Finance Code that the time to validate the debt had passed and they could no longer continue pursuing payment. On XXXX XXXX the account was placed on my credit report as a unpaid collection. This company has violated my rights under the FDCPA and the Texas Penal Code as they are illegally attempting to collect debt in Texas since they do not have a surety bond registered with the Secretary of the State. As the attached file shows along with fax info this company has received info informing them of my dispute yet they placed the erroneous info on my report anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Navient calls me from 4 to 10 times a day about a loan balance that I have written letters to them about, talked with 6-8 of their representatives about, and wrote them to quit calling me all the time. I wrote telling them they were harassing me and I would get an attorney to sue them. They said they were immune to harassment laws and they did not apply to them. They have called me repeatedly every day, even XXXX, and as late as XXXX. I have records on my phone of over XXXX calls from them since XX/XX/2016. Now they are threatening to sue me or take it to litigation. I told them all what I could do since I am on a fixed social security income and have health problems so I can not work, not to mention the fact that I offered to pay what I could and they did not accept it. I have received calls from every office they have in the country. One stops and another starts. It is ridiculous and has my nerves on end. They even charged me with loans that they had turned back over to XXXX University and I paid XXXX in full. Now they have called my daughter and my husband concerning these loans and it upsets me very much. My daughter is living on XXXX, needs a XXXX, and has XXXX which we do n't know what they are. It upsets her for them to call her and I am worried about her health. If this is not harassment, I do n't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Transaction issue

Complaint: Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX I began a 3 year loan modification term with XXXX XXXX XXXX whereby my {$1.00} XXXX mortgage ( Loan No. XXXX ) interest rate was reduce to 3 % and interest only monthly payments of {$6600.00}. This interest rate was to last for 3 years and then it would be raised to 5.25 % with 25 year amortized monthly payments of {$12000.00}. Although I was aware that I could not afford the terms of the mortgage after 3 years, I had no other recourse as I did not want the Bank to foreclose on my home. I also was of the expectation that the real estate market may re-emerge from the 'Great Recession ' to allow the sale of my house during that time period. 

I was current with the {$6600.00} payment when the 3 years ended. Being aware prior to the 3 years ending that the real estate market had not returned to where I can be successful with a conventional sale of my home, and furthermore, that I could not pay the new upcoming monthly mortgage amount of {$12000.00} come XXXX XXXX, XXXX, I began to request from XXXX XXXX XXXX in writing early in XXXX to revise the loan modification agreement so that the 3 % rate will be extended beyond XXXX XXXX, XXXX. XXXX XXXX XXXX delayed and did not revise my loan terms, but instead, on XXXX XXXX, XXXX, my loan was transferred to Nationstar Mortgage for servicing ( Loan No. XXXX ). My appeals for a modification of the loan terms continue with Nationstar, however, I am being quickly denied the modification on the basis of negative income, and at this time am being threatened with foreclosure. A Notice of Default was filed against me earlier this month ( XXXX XXXX ). 

My income is presently {$120000.00} per year and my income will increase by another {$25000.00} per year come XXXX XXXX, XXXX due to an upcoming monthly retirement payment that will begin at age XXXX. I have the means to pay a lower interest mortgage payment on my current home. Furthermore, the real estate market condition in California has improved dramatically during the past several months to where it is feasible for me to now sell my home and pay my outstanding loan balance. Accordingly, in an effort to avoid the foreclosure, my home is presently listed for sale. It has not sold yet but we have a good level of activity and expect to have a sale soon. However, the looming threat of foreclosure from Nationstar, and the filing of the Notice of Default, have reduced our options in comfortably pursuing the sale. 

My loan violates Fair Lending laws and practices as it increased to an unaffordable monthly payment of {$12000.00}. Furthermore, I have become aware that my loan had been electronically sold via MERS on several occasions and the rightful holder of my Deed of Trust is not known. I am requesting your help in assessing the violation of fair lending laws and guidelines with regards to my loan. I ask for your assistance to curtail an unjust foreclosure before I succeed in selling my home.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint regards the servicing of a second mortgage held by Nationstar Mortgage. The XXXX Modification of my XXXX Mortgage was amended by the original servicer, XXXX Mortgage, which reduced my 'interest rate cap ' from 5.25 % to 4.75 %. When the XXXX Mortgage was sold to XXXX they used the old rate cap of 5.25 %. I was able to have this matter rectified with your help on XXXX/XXXX/XXXX, Case # XXXX ( Page # XXXX Final Resolution Letter ). My current problem is that the Second Mortgage serviced by Nationstar is using the old rate cap of 5.25 % and not the amended rate of 4.75 %. I have been corresponding with Nationstar since XXXX XXXX and have only received copies of the XXXX modification. In the XXXX modification, it clearly states that the rate cap of the XXXX modification must reflect the rate in the XXXX modification. I have documentation for all of the statements that I have made. Any assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: The following is on my EQUIFAX credit report 2 times and are exact duplicates. I have disputed with EQUIFAX and the results of their research is that they are both valid. Why should the exact same mark be listed twice with the same exact account #, company, dates and dollar amounts be listed twice? I previously disputed the original mark and at the end of the first investigation, they found it valid and then reported it twice. My credit score has gone down even lower as a result of it looking like 2 bad marks when it should only be one. 
Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX MN XXXX Phone : ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX ; Amount {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: See attached documentation.

Summary :XX/XX/XXXX - Made a {$500.00} purchase online - 6 months / no interest.

XX/XX/XXXX - Received {$20.00} credit ( promotional offer for using card )XX/XX/XXXX - Made a {$2000.00} purchase online - 14.9 % interest until paid off XX/XX/XXXX - 15 minutes later, called Customer Service to see if transaction could be voided as I decided to use a 0 % offer from another card. Confirmed charge voided and I would not be charged anything, and that it would show as a debit and a credit on my statement.

XX/XX/XXXX - {$2000.00} credit for XX/XX/XXXX transaction posted.

XX/XX/XXXX - Automatic Payment of {$80.00} credited to account which was deliberately set so that the {$500.00} from XX/XX/XXXX would be paid in full within 6 months.

XX/XX/XXXX - {$2.00} interest charged in errorXX/XX/XXXX - Contacted Customer Service via online messaging portal to advise of error.

XX/XX/XXXX - Received response from Customer Service that did not address issue at all. Was not notified via email of the response, so did not see until XX/XX/XXXX.

XX/XX/XXXX - Automatic Payment of {$97.00} credited to account instead of the authorized {$80.00}, in accordance with terms that adjust payment to the minimum due if it is less than the automatic payment amount. This was done in error.XX/XX/XXXX - Replied to Customer Service.

XX/XX/XXXX - Sent additional message to Customer Service after I realized that the mistake made was that the {$2000.00} credit was credited in error to the open transaction from XX/XX/XXXX instead of the {$2000.00} transaction from XX/XX/XXXX. This was likely due to how the automated settings are handled when applying payments. At this point it was obvious that a human being needed to manually make the adjustment. The process is simple for anyone with proper training.

XX/XX/XXXX - {$4.00} interest charged in error XX/XX/XXXX - Received response from Customer Service stating that the matter had to be escalated to the Corporate Offices.

XX/XX/XXXX - Filed CFPB complaint as no action has been taken by creditor.

XX/XX/XXXX - Confirmed account online states : Your next Auto-pay Amount of {$80.00} will be processed on XX/XX/XXXX. However, based on XX/XX/XXXX error, will be automatically changed to {$97.00} without notice or authorization from me. This will be an error.

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 08/14/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: We have submitted 5 loss mitigation applications ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Out of these 5 applications we only received 3 denials in a written letter mailed to us. One denial was received on XX/XX/XXXX, 3 months after the initial application was sent. The servicer denied us due to insufficient income, but they were not calculating my husbands/ borrowers income. They claimed they did n't get all of the income information. The other denial was on XX/XX/XXXX, we were denied because I failed to complete a welcome call from the servicer. I did n't receive any letter indicating this step was required in order for my application to get re-reviewed. After that I did 2 welcoming calls, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was notified via phone that my application was removed as of XX/XX/XXXX. I was not notified about this. My application had been with the servicer since XX/XX/XXXX and I was never told about the removal, I was only requested for additional docs. The servicer again asked for another complete pkt on XX/XX/XXXX and we submitted it on XX/XX/XXXX, and onXX/XX/XXXX we were denied due to insufficient income. And I was asked for another pkt. We sent it on XX/XX/XXXX. Now the servicer said that they will not review my pkt since the acct is 3 yrs past due and the UW has had my pkts for 3 yrs in review. They will only look into transition options. We have complied with the servicer in submitting documents when requested.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Homeowner is a XXXX divorced woman. she is a XXXX, needing assistance to do simple task like taxes, answering the phone or even walking. 
The homeowner has been fighting the investor : Countrywide Financial, inc., XXXX, Bank of America and XXXX. 
The homeowner has filed Bankruptcy Ch. XXXX and will be dismissed on XXXX. 
The homeowner has ordered a XXXX Securitization Audit and show strong evidence that the following possible violations exist : 1. Broken chain of title. 
2. No just standing 3. Gross fragmentation of the note to XXXX. 
The home owners XXXX audit produced in XXXX also show strong known robo signer participation in MERS documents and more. 
The Homeowner alleges the following investor, XXXX ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. The investor, XXXX include : : COUNTRYWIDE HOME LOANS, INC. ; THE XXXX AS TRUSTEE FOR SECURITIZED TRUST XXXX XXXX XXXX ; COUNTRYWIDE HOME LOANS ; XXXX. ; COUNTRYWIDE HOME LOANS SERVICING LP ; MORTGAGE ELECTRONIC REGISTRATION SYSTEM, AKA " MERS '' AND DOES XXXX THROUGH XXXX, INCLUSIVE. 

The complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF XXXX ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 
Recently Bank of America NA hired a paralegal company to respond to previous complaint : the XXXX. The response diverted any answers from complaint : by not answering any of the complaint issues. They simple just wrote back that Bank of America was compliant and did not answer the complaint issues of broken title or wrongful foreclosure. This paralegal novice did not know how to answer the complaint. The simple response was forward top XXXX : then again re-forward to XXXX. The same old run around. 
The complaint showed that a XXXX XXXX was conducted and shows STRONG evidence that a broken chain of title was discovered, that investor was hiding behind the processor,, XXXX and 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 01/25/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Starting towards the end of 2017, I began getting almost daily recorded calls from Transworld Systems , Inc., saying it was very important I call them to resolve a debt. The recording said toe call XXXX XXXX XXXX at XXXX. Since I knew I had no uncollected debts, I asked my accountant to the call the number. She did, and said it was clearly a scam - the company could not identify any unreported debt, but simply kept asking for personal information about me, such as Social Security #. She asked them not to call anymore. 

Nevertheless, I get these robocalls almost every day. This is obviously a fraudulent attempt to gather information about me. If it were a real debt, they would put it in writing and mail me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Other mortgage) with TD BANK US HOLDING COMPANY (FL).
Issue: Settlement process and costs

Complaint: Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX

Company response to consumer: Closed with explanation