milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We had Nationstar Mortgage as our mortgage company. As we were trying to refinance with another company, our home incurred smoke damage and we had to file an insurance claim. Once we received the checks from the insurance company, we signed them and send them to Nationstar to be signed and for the funds to be paid to the contractors that completed the work on our home to be returned. In addition to the checks, I sent all the paperwork that was completed by our contractors, XXXX, etc on XXXX XXXX, 2015. On XXXX XXXX, 2015, an inspector for Nationstar came to our house to confirm that the work was completed. I was advised that once this was done and the report by the inspector was submitted, the funds would be sent to me. I paid an additional {$30.00} to have the funds overnighted to me, as I wanted to get the contractors paid. Our refinancing went through and our loan was paid off on XXXX XXXX, 2015. When I called Nationstar several days after the inspection was completed, I was informed that since the loan was paid off, the insurance funds had been put into a secure escrow account. I was transferred several times and was told that the funds would be released in XXXX to 45 days, the next person stated that the funds would be released in XXXX to 60 days and the last person advised me that it would be paid in 30 days, along with my regular escrow account. I advised that I needed to pay the contractors and was told that it was going to take the said amount of time and there was nothing that could be done to speed up the process. We received our payout for the regular escrow account, as well as the over payment, but have yet to receive the funds from the insurance company. We are now being told by XXXX of the contractors that he will charge us a late fee of over {$4000.00}. Another contractor is threatening to put a lien on our house. My husband and I have made several phone calls to no avail. They are holding on to {$45000.00} of insurance funds for a house that they no longer have a vested interest in and nobody has been able to tell us, why this process is taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Application, originator, mortgage broker

Complaint: Dear Sir or Madam : On XXXX my wife and I took a mortgage with XXXX. On XXXX XXXX, XXXX XXXX assigned the mortgage to XXXX . On XXXX XXXX, XXXX XXXX assigned the Mortgage to XXXX. However, XXXX did not notify the County Clerk 's office of this assignment. Currently, XXXX is part of XXXX and XXXX is part of Bank of America. According to the County Clerk 's Office, the assignment of XXXX to XXXX first needs to be recorded, and then a lien release ( letter of satisfaction ) needs to be issued. According to XXXX ( please see file # 6 ) Bank of America will be the party responsible for both actions. Please note that we have contacted Bank of America over the telephone regarding this issue, but they insist that the party responsible is XXXX. We are in dire straights and need to clear this matter with the County Clerk 's Office in order to secure a loan to pay for my daughter 's college tuition. Your help will be greatly appreciated. Please see all relevant documents attached. 
Sincerely, XXXX and 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 09-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other transaction issues

Complaint: Paypal continued to charge my credit card for various services after I cancelled the services directly with the vendors. Then when I submitted a complaint, they froze my account ... ..which makes me unable to unlink credit card and bank accounts from them, and does n't allow me to close my account. It only allows me to continue to pay for Paypal services. After all was said and done, they said they were unable to issue me a refund because I had a preauthorized debit agreement for the third party services. This completely contradicts their Paypal Buyer Protection policies. They never even asked for documentation of my communications with the third party companies that they were crediting my money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax continues to report inaccurate information that has bee n discharged a nd no longer can report on my credit file. The other  XXXX  bureaus has removed the items, Equifax continues to report the information after sending each bureau the exact same information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX XXXX, I contacted TransUnion to resolve unauthorized inquiries showing on my credit report. I called and spoke to a u.s. representative by the name of XXXX he was helping me until we got disconnected. I recently checked my credit report and noticed many inquiries that were removed during a breach in XXXX of XXXX in XXXX XXXX where reinserted. I did not receive a written 5 day notice informing me about the breach or TransUnion reasserting the inquiries. This is a violation of FCRA. TransUnion can not continue to violate my rights.

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 08-08-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I was behind on my car payment. Today is XXXX XXXX. My last payment was XXXX XXXX. The balance I now have due is about {$970.00}. This past Thursday my vehicle was repossessed. I keep attempting to contact American Credit Acceptance but the company is not responding. The number I was given to contact them is ( XXXX ) XXXX. I have very expensive items in my vehicle because I listed them online to sell them in efforts to raise money for the remaining balance. If nothing else I need my belongings out of the vehicle. 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 12-08-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Complete Dept. Stores XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: In late XX/XX/2016 I received a mailed invitation to apply for a Citi/AAdvantage Platinum Select Card. The offer in the invitation stated that if I charged {$3000.00} in the first 3 months of having the card, I would receive XXXX ( XXXX ) American Airline frequent flier miles. I applied for the card and charged in excess of {$3000.00} in the first three months. I have paid all of these amounts promptly. Two weeks ago, I called the Citi number on the statement ( XXXX ) XXXX to insure that the XXXX miles had been added to my AAdvantage account. I was told that because I had a similar card in the last two years I was ineligible for the XXXX miles previously promised. I spoke with two levels of supervisors and each confirmed the same, one stating that the was a large number of people in similar situations. While Citi can make whatever rules it wants, if I was ineligible for the XXXX miles : ( 1 ) why did they send an offer to the contrary and ( 2 ) why did they issue the card knowing that it was requested in response to their offer? 
It 's requested that your agency intervene in the matter and compel Citi to honor its promise, just as I have in paying all of their statements promptly. Also, I ask that ( if possible under your rules ) this complaint be made not only in my own behalf but also that of every other person in a similar situation. It is unfair to offer something as an incentive and, only after cardholders have performed their obligations to earn it, pulling it away. For purposes of the box below that requests money loss information, I 'm valuing the miles at one cent per mile, which to my understanding is customary. Thanks for any assistance you can provide.

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 Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website. 

They continue to provide this service and continue to charge me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.

Company response to consumer: Closed
Consumer complaint received 03-11-2016 about Consumer Loan (Title loan) with EXPERT GLOBAL SOLUTIONS, INC. (CO).
Issue: Can't contact lender

Complaint: Re : SST Loan Servicing This loan was transfered from another financial institution. Title loan on vehicle purchase was paid off in XXXX 2016. I still have not received the release of lien so I can title the vehicle in XXXX XXXX as of this date, XXXX XXXX, 2016. I have been given inaccurate and false information by various sources, dates of alleged mailings and incorrect mailing addresses when I tried to verify why I had n't received my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Trouble during payment process

Complaint: XXXX was purchased for a new home purchase on XXXX/XXXX/XXXX form XXXX XXXX XXXX.On XXXX/XXXX/XXXX an inspection was conducted and I received notice on XXXX/XXXX/XXXX that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in XXXX and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, if the work was n't completed by that time of renewal. This information was incorrect, I received notice that the work needed to be completed by XXXX/XXXX/XXXX. I then recieved a cancellation notice on XXXX/XXXX/XXXX stating that the policy was being cancelled on XXXX/XXXX/XXXX. Upon binding the policy with XXXX XXXX XXXX on XXXX/XXXX/XXXX, a home inspection report was sent to them for review and the information regarding both water heater and shut off valve was clearly indicated on it and they chose to bind the policy. As a result the coverage lapsed and I was not able to obtain coverage immediately, due to high cost of premiums from other carriers and lack of sufficient finances. On XXXX/XXXX/XXXX I was able to obtain a new policy, however, Pacific Union Financial which is the morgage lender sent a notice on XXXX/XXXX/XXXX that they woud be assessing a {$2700.00} forced insurance policy for the time period of XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I called Pacific Union Financial on XXXX/XXXX/XXXX to obtain clarification and was told that unless I provide proof of insurance this amount woud be added to my mortgage. I explained to them that I was in disagreement with this because this lapse occured in the past and the home was currently insured. I asked for them to justify placing insurance on the home to cover the past and the nature of the risk being assumed for this period of time, which had already past. I was told that it was thier policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX for {$440.00} I would like XXXX & Experian to conduct a fair legal investigation and once the investigation is complete remove the account. Please note XXXX has already legally deleted this account from my report..Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called Navient multiple times trying to lower my student loan payment. Each time I call no one is willing to work with me. At one time my loan payment was {$1300.00} which I could not afford. I have tried to apply for income driven repayment but each time I am told that I make too much. It is frustrating that I have never missed a payment in 7 years but yet no one is willing to work with me to help lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: My wife and co-borrower, wrote a check against our home equity line of credit to pay a credit card. HSBC returned the check unpaid and indicated that she was an unauthorized borrower. After calling HSBC customer service twice, they then said that the signatures did not match. I then ask them to provide proof by requesting a copy of the returned check and the signature card but HSBC had the audacity to charge me a fee for this. I can not believe that they want to charge me a fee for their mistake. I have since been charged {$30.00} by HSBC for a returned check fee. My credit card company also charged me {$30.00} for a returned check fee and almost {$15.00} in interest for the period between the due date and the date I paid with another check. It is unacceptable for a bank to be unwilling to provide a copy of your own signature to verify that they have a correct signature on file. I also requested that they mail me new signature cards - which they have failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 have sent multiple letters and made request online in XX/XX/2017 to have fraudulent inquiries removed from my credit profile. Equifax has been no help in this situation even with my Personal Information being impacted twice by their cyber breaches. Equifax did not look my disputes they sent me a generic letter explaining what an inquiry was instead of helping rectify an issue caused potentially by their breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Initiated credit freezes at all XXXX credit bureaus in XXXX of 2015. 
Experian and XXXX now require a form letter with ID sent via mail to get a credit report. 
XXXX still provides their report online. 
Experian and XXXX are punitive against persons that initiate credit freezes.

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