milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Trouble during payment process

Complaint: I am writing today ( XX/XX/XXXX ) to bring to the attention of the CFPB aggressive practices by XXXX XXXX  XXXX. 

Freedom Mortgage is the current holder of my mortgage ( Loan Number : XXXX ) ; the company reported in XX/XX/XXXX to the credit bureaus that I did not make payments on time. The report filed with the credit bureaus claims I had a balance of $ 1,000+ outstanding and 30 days past due. I have attached statements from my bank ( XXXX XXXX XXXX ) which show my most recent 3 payments sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicating no payment was ever late. The payments I made were in the amount of {$960.00} ( the same amount EVERY month with Freedom Mortgage ). I recently became aware that my payment has changed to {$990.00}. However, I have been living in XXXX dealing with family matters related to the deaths of my father ( XX/XX/XXXX ) and XXXX year old brother ( XX/XX/XXXX ) over the past several months and did not receive the notice of increased payment ( death certificates to be supplied upon request ). I learned about the underpaid amount in early XXXX and called immediately to pay down the small, accrued balance of approximately {$60.00} ( confirmation number : XXXX ). There is currently no outstanding, past due balance on my account and no payment has been missed. My credit score has gone from approximately XXXX to XXXX overnight as a result of this matter. 

I spoke with Freedom Mortgage 's representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she referred me to the Customer Care department. The Customer Care department supplied a letter on XX/XX/XXXX stating they will not retract the report from the credit bureaus. There was never an attempted phone call to alert me to the changed amount nor a grace period for an obvious extenuating circumstance for an otherwise timely and reliable customer. I would like this issue handled promptly and proper notifications sent to the credit bureaus outlining the situation to reverse the impact on my credit report. It is highly aggressive to treat a customer in this manner after paying payments ON TIME EVERY MONTH. The accrued balance was paid IMMEDIATELY upon discovery. There was NO telephonic communication with me during XX/XX/XXXX to inform me of the increased amount so I continued paying the historic balance. 

Please do not hesitate to contact me directly at XXXX. 

Thank you, 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 explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Creditors Specialty Service Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Re : Creditors Specialty Service, Inc. XXXX XXXX XXXX, XXXX , CA XXXX XXXX I was in a XXXX on XXXX/XXXX/XXXX for which I was not at fault. The other person 's car, ( the driver was not insured ), was towed to XXXX XXXX XXXX. That company said I was responsible for the storage in the amount of $ {$1100.00}. An attorney for my insurance company said I was not responsible. Creditors Specialty Service was asked to collect from me for XXXX XXXX XXXX. Creditors Specialty Service contacted me by phone and letter at least four times. They filed a claim in small claims court around XXXX XXXX. They did not show up in court and the case was dismissed. I received a letter from Creditors Specialty Service dated XXXX/XXXX/XXXX entitled " request for update. '' The letter implied that my credit would be denied if I did n't pay the {$1100.00}. I called Creditors Specialty Service and told them this was harassment. They said they would remove the case from their files. It concerns me that other people would pay the amount due because of the threatening nature of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.

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 09/23/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (NJ).
Issue: Settlement process and costs

Complaint: I already sold my house. Everything was good when we sold the house under short-sell option. The Green Tree Servicing LLC agree to sell the house under that short-sell agreement. Now suddenly they are asking me the money for that house which I already sold 2 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Equifax will not deal with me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call at least five times a day and leave a recording stating to leave the last XXXX digits of your account number. Since we have already paid XXXX bills this month and are in transit to XXXX this is ridiculous as we have no records and no idea of what they are calling about. I tried to explain that Florida took away my rights and gave the POA to my daughter and they should call her but this fell on deaf XXXX ears.This seems to be a common practice to have people who speak broken English but it is a very poor practice for an XXXX year old with hearing problems.Perhaps I should turn my phone off. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I sent letters to XXXX, Experian, and XXXX about having several unauthorized inquiries on my credit report. I asked them to validate or otherwise remove them because I knew they were not authorized and they sent me back a letter stating companies are allowed to run my credit even though I specifically told them I had not auttorized certain ones and had zeros knowledge of them.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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 11/15/2016 about Bank account or service (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, 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 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This complain is about the Navy Federal cash rewards credit cards. I have been banking with them since 2014 and I have the credit card in question since then as well. currently the limit on my credit card is {$16000.00}. While I was in   XXXX    program, I made a conscious effort to go into a partnership business by setting up a   XXXX   XXXX   borrowing off my credit card with the hope of increasing my source of income. Overtime, this was n't the case and currently I have been paying back on this credit card. Recently, I realized for almost a year now I have been paying the minimum amount on this card without using it for any purpose, yet this whole payment has been overshadowed by interest on purchases and interest on cash advances which in return literally takes my minimum payment for interest only. I did a personal calculation on what I have paid so far in a year it all summed up to about {$6500.00} yet my credit card debt only show an available balance of less than {$1000.00}. Meaning they are forcing me into some form of debt servitude/peonage because despite making monthly payment I ended up still subjected to making more and more payment only for them to claim interest on it. Initial reaction I thought minimum payment only meant you have more years to pay off your debt not pay off some false interest that is usually taken what you pay. I hope this can be resolved with this bank because they are taking advantage of service members with this practices at the expense of their own existence. This is a fraud and something has to be done if not it will be extended farther than expected. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit card () with DISCOVER BANK (NM).
Issue: Rewards

Complaint: I placed an order at XXXX by linking to the XXXX website through the Discover Card ShopDiscover website. The offer stated that I would receive 5 % cashback bonus if I linked to the merchant 's website and made a purchase. I did so, but I did not receive the cashback bonus. I contacted Discover to resolve the issue, but they still did not credit my account for the cashback bonus. I feel that their cashback bonus offer is deceptive and that they do n't do enough to credit their customers ' accounts. I should n't have to follow up constantly to see if my cashback bonus offers were properly credited. I feel that the company is willfully deceiving people.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.

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 11-12-2017 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: Investigation took more than 30 days

Complaint: I sent XXXX a letter of dispute regarding XXXX public records XXXX XXXX XXXX XXXX. XXXX  and Equifax both reported that this information was furnished to them by XXXX, which is a third party vendor. I advised XXXX and Equifax that this is a direct violation of the Fair Credit Reporting Act. I sent a certified letter of dispute to XXXX on XXXX and they signed for the letter on XXXX. I have the actual letter attached to this as proof with no contact from XXXX and it has been more than 30 days. The Tax Liens are {$990.00} and {$1000.00}. I also made contact with Oklahoma XXXX XXXX and they verified that XXXX was never given this information by them. As a result of this, XXXX reported this information to XXXX and Equifax without the consent of the court.In return, this is inaccurate information and the process thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: The original creditor sold the debt to more than one collection agency. I was making payment but I stopped making the payment as soon as these agencies started to contacting me about the same account. One of the collection agency took me to court and I showed the judge all the document to prove my statement. The judge grand me the case and dismissed without prejudice. Therefore, another collection agency has been calling me on my job harassing me and threatening to collect the money from my employment. I tried to explained them that they ca n't do that without a court notice since I was already in court on XXXX 2012 and won the case. But the man was very rude and refused to listen to what I had to say. Please assist me with this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Credit decision / Underwriting

Complaint: Responding to an email ad from Bank of America, we applied on XXXX XXXX, XXXX for a refinance for my rental home, owned since we built it 7 years ago. We complied with every request for documents, even having BofA contact our insurance agent and CPA. Dozens of emails, letters & phone calls later, & repeated delays, extensions & promises from them have gone on, usually with requests for more & more documents, not even pertaining to the property, but to our home & the other XXXX rental units we have, all dutifully submitted. BofA is currently the mortgage holder on one of those other homes, so a re-fi from them should have been a simple process ; we have excellent credit ratings and are stable, credit-worthy people, in the long-term rental business for many years, living in the same area our entire lives. Finally, on XXXX XXXX, they asked for an " update '' on the appraisal that was done by their appraiser in XX/XX/XXXX, an updated credit report, more copies of bank statements & another signed borrower 's certification form. The week before, I was asked what title company we 'd like to sign at, since the closing was finally at hand -- but no, yet more forms were now requested, instead! My phone service was down for a few days ( repaired yesterday ), so I could n't get these documents sent immediately electronically, but since they refused to give more than 2 days to get them to their Oregon office, they denied any further extension & canceled the loan application. We have been greatly abused in this process, a process even their loan officers claim was unusually, inexplicably & regretfully long. I would never recommend doing business with BofA, even though I had been a customer since XX/XX/XXXX! This was the worst, most demanding & most disappointing transaction I 've ever been through, & I 've bought, sold & refinanced many mortgages over the years. In view of all the time & effort this has cost us, only to lose this game of attrition, I feel our application fee should be refunded. I don 'd mind paying for the appraisal ( despite BofA thinking it needed an " update '' after only 3 months! ), but our time & effort would have definitely been better spent at any institution around here, which we 'll most assuredly do in the future.

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 08-06-2015 about Consumer Loan (Vehicle loan) with Tebo Financial Services, Inc. (OH).
Issue: Problems when you are unable to pay

Complaint: Tebo FinancialXXXX XXXX XXXX XXXX # XXXX, XXXX, OH XXXXXX/XX/2015RE : XXXX Chrysler PT CruiserVIN Number : XXXX On XXXX XXXX, 2015 I received a call from XXXX XXXX attempting to collect on the discharged debt. After calling Tebo Financial, they then stated they were prohibited by bankruptcy laws with regards to contacting us and collecting on a discharged debt. This is a clear contradiction. 

On or before XXXX XXXX, 2015 Tebo Financial authorized XXXX to repossess the XXXX Chrysler PT Cruiser, at XXXX XXXX XXXX XXXX, Ohio XXXX. On XXXX XXXX, 2015 this vehicle was recovered by XXXX. 

After the vehicle was repossessed on XXXX XXXX, 2015, I did not receive any legal communication required through Ohio Repossession code ( XXXX XXXX ), regarding my Rights to Cure. The vehicle was set to be auctioned on XXXX XXXX, 2015 without any notices sent stating the vehicle had been repossessed or the creditor 's intention. I did not receive a NOTICE OF OUR PLAN TO SELL PROPERTY or Notice of Default and the Right to Cure. 

In addition to these violations and non-compliance, I was not properly informed about my personal property left inside the vehicle. Tebo Financial failed to document properly and inventory the personal items left in the vehicle per Ohio repossession laws as well. 

At this time, a complaint with XXXX and Attorney General Office has been filed. I will seek sanctions through the Bankruptcy court within the coming week if a resolution is not promptly met. 

A refund of {$830.00} for recoverable charged fees will cause this matter to halt and not proceed with legal action. 

1. Loan Fees {$510.00}. Interest {$190.00}. Auction Storage fee {$91.00}. Personal property fee $ XXXXPlease feel free to contact to me with a resolution to this very time sensitive matter. 

Regretfully, XXXX 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 09/21/2017 about Debt collection (Other debt) with Meade & Associates, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2016 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation