milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I received notification on  XXXX   XXXX  2017 that an account from   XXXX   XXXX   XXXX   was removed from my credit reports and was then added back on   XXXX    XXXX , 2017. The FCRA requires If an item is inaccurate, the bureau has to remove it. If they later discover that the error has been corrected they cant put the negative item back in your report. But if they do that they first have to tell you 5 days before they reinstate the item. I was never provided any notification directly from the CRA 's prior to this debt being reinserted into my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My lender BofA put a force placed insurance policy on my house at XXXX times the market cost of the actual policy. During that time all my payments were made electronically each month and I was never late prior to them adding about {$1500.00} per month to my bill to cover their profits from insurance company they owned. Furthermore they kept my payments in a suspense account and eventually returned via cashiers check instead of applying funds to XXXX missed payment. Following that time they tried to entice me to move by offering me {$.00} then a deed in lieu ( which I never applied for but was turned down ) and finally the year long modification process. During that time I met with a real person at BofA who told me if I hired an attorney I would NOT get a modification and that I should NOT replace lender placed insurance until after the modification ... even though it would save over {$700.00} per month. Although I know I qualified for DOJ mod, I was continually denied. Furthermore by not applying funds to XXXX and XXXX missed payments i believe they violated fair credit reporting. I am currently facing foreclosure for an escrow shortage because of force placed insurance!

Company public response: Company 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 JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX, my late husband opened up a Chase credit card account for himself, under his social security number. He passed away intestate on XXXX/XXXX/XXXX. I informed Chase several times that he had passed away intestate, and that I had not ever signed a credit agreement with them. 

Recently I was notified by XXXX that they had lowered my credit limit due to a delinquent credit obligation. I have excellent credit, and this was the first time I realized that there was something wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Good Afternoon- I unfortunately miscalculated my finances this month and have {$420.00} in overdraft fees. I called the bank and informed them that I understand that this was my fault but I have been a customer of Santander for  over eight years and  would they be able to waive the fees. They informed me that they could only remove  XXXX  of the fees leaving me with an overdraft fee of {$350.00}. As it is right now it is very difficult for me to make ends meet and the {$350.00} overdraft fee is not allowing me to catch up on my expenses. Is there a way to fix this?

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 06-12-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owe Kohls some money and I cant afford to pay it back and they are calling my XXXX year old widowed mother constantly. I do not live with her.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Debt collection (Medical) with KelKris Associates Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sent a bill and the provider was in between XXXX accounting systems, they billed me on both for copays over a period of time, after we worked together to resolve it and I paid what I owed, they eventually sent me a bill asking for the same copays again off and on over a period of 18 months or more. I told them it was paid and showed proof several times. 

Then they billed me for office visits in the beginning of the year which went against my deductible, which under normal circumstances I would owe BUT I LOST MY JOB because the doctor inadvertently put XXXX different dates for return to work on my XXXX and work forms. When I called to verify I explained and they still gave me the wrong date, hence I lost my job! So I had to go back in for a televideo appointment to explain to her what happened so she could write a letter and I could get unemployment. Why would I pay for that??? 

On another account for my daughter they billed the wrong insurance even though I gave them the correct information each visit. She had double coverage which would have covered it except they did n't even bill me or ask for the insurance information until XXXX or more years later! Which now the insurance refused to pay because of the late filing of the claim which was their fault. The office has inadequate employees who apparently are confused. 

This office has a long history of administrative mistakes, the debt is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (MA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. 
Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX   2017 , I faxed dispute letter to Equifax Credit Bureau. A month later I called them to check on the status of my dispute. I spoke with a supervisor who confirmed my dispute was received and to give them some time and they will send me the updated information. I still have not heard anything from Equifax Credit Bureau. I also requested a method of verification for the public records they have on my report and the accounts. I have accounts that are reporting closed but have late payment status. Also charged off accounts reporting late payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with NELNET, INC. ().
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm an XXXX Graduate from XXXX XXXX XXXX, and financed my education through a loan offered by XXXX. The loan repayment began on XXXX XXXX and I 've been paying timely on a monthly basis. Since XX/XX/XXXX, XXXX let me know that it was possible for international graduates to pay through XXXX using foreign credit cards. I used that alternative, with my XXXX XXXX, since it was available until XX/XX/XXXX, when XXXX decided to transfer our loans to XXXX XXXX. XXXX XXXX  did n't have the XXXX alternative, but they would receive my XXXX XXXX number over the phone and process my payment since XX/XX/XXXX until XX/XX/XXXX. Recently, when I tried to pay my loan due on the XX/XX/XXXX, the representative told me that " credit card companies would not allow paying debt with credit cards any more, so they could n't process my payment over the phone, but I could use XXXX to pay with my foreign credit card ''. I logged into XXXX and they are basically charging a fee in order to process my payment ( that fee accounts to almost a 5 % of the amount due ). Unilaterally XXXX XXXX  eliminated an affordable option for international students to be able to pay for their student loans, sending us a to another agent who will charge us roughly 5 %. My loan rate is about 5 % yearly and by forcing me to pay through XXXX, XXXX XXXX is practically doubling the interest rate on my loan. First of all, I would like to know if it is true that credit cards companies wont allow debt payments to be cancelled with a credit card as I think something like that would have been widely commented and I couldnt find a single article. Second, I would like to know if it is legal for Firstmark Services to unilaterally select a payment method that represents an indirect +2x increase of my interest rate. And third, what are my rights as a consumer residing outside of the US.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I was going through my credit report and listed on my report is a previous address in XXXX XXXX. I have never visited, or lived in this state. I have always loved in the State of XXXX. I have only visited the states of XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. Apparently there is some identity theft or fraud happening, or has happened in my name. I would like this to be investigated thoroughly and some type of report submitted on behalf of my name to clear up any errors or collections that I have no connection to.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit agency put wrong information on my credit report I never had XXXX. I called and wrote letters but they still have not removed information from my credit report

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 09/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Nationstar XXXX XXXX Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage XXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XXXX/XXXX/XXXX, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: To Consumer Financial Protection Bureau : I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In late XXXX XXXX, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised XXXX AAdvantage miles would be credited to my AAdvantage account that was linked with my Citi AAdvantage Platinum Select credit card. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told to wait for about 90 days and my points would be posted to my XXXX XXXX XXXX account. However, towards the end of XXXX, my miles had not posted and it had been past 90 days. On XXXX XXXX, XXXX, I received a formal letter from XXXX XXXX, Director, Client Research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early XXXX and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax scored me at XXXX stating that " the key factors that adversely affected your credit score '' are ( 1 ) Lack of recent installment loan information. ( I do n't have installment loans ... I pay cash! ) ; ( 2 ) Too few accounts currently paid as agreed ( XXXX I pay everything as agreed and pay all credit cards off in full each month and carry no finance charges! ) The other two reasons given are subjective and totally inaccurate! ( Please say Hello to XXXX ! )

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (Medical debt) with Account Brokers Inc. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I sent a dispute letter to Account Brokers for a medical debt from  6 yea rs ago requesting validity of debt. They responded by serving me a pattern interrogatories unde r CRCP 369 le tter. No court date was listed on the letter and it was not signed by the court. The women who served me at  XXXX  at night threatened that if I did not comply, that I would be arrested. The case number they had listed on the letter was from XX/XX/XXXX   T his is not only an illegal threat it is also in violation of the  SOL in   Colorado since the debt is from    XX/XX/XXXX .   Also, falsifyi ng information.

Company response to consumer: Untimely response
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was misinformed by what a forbearance was. I was told that if I wear to do this that I would not have to pay anything and that I would not have any interest placed on my account while I was in forbearance. They asked if had received any government help and if I did to send them a copy of whatever assistance I get that they could wave certain fees and keep my loan amount at what it was. I sent all the information they needed. When I called back to verify that they have received all the information one agent told me that they did receive it and it was processing. A week later I received an email saying that interest on my billing was still accurring and that I needed to pay something. So, I called back and was told that Everything that I had spoken to the previous agents were not true and whether I was in school or not that the interest will remain and it will continue to grow no matter what and no one has control over the interest. So, life happened and I had to stop going to school. I then tried to enroll again and was told I needed to pay at least 5 dollars a month before I could get into good standards with the loan through Navient again. I did that. I was told as long as I was enrolled in school I could pay at my leisure on my student loans because I went through the program to get back on track. I was never told that interest would still be rolling and that I had to pay each month or a particular amount each month. I was told that charges would start after 1 year of graduation or one year after I stopped that has yet to happen charges are still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: TD bank opened an account without my authorization. I advised them, but they keep sending me statements and state I owe them money. I had security alert on my reports, FREEZE as well, and they should have never opened an account in my name with all of the alerts I 've had on the credit report. They do n't want to resolve this issue and closing the account. I keep getting statements that I owe them money etc. I have never opened the account and they fail to resolve the issue.

Company response to consumer: Closed with non-monetary relief