milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage is trying to force me into an escrow account with them. they bought my loan from XXXX which dummy up an escrow account so they could sell it to nationstar. 
I have not been late on my payments with either company, but their issue is my XX/XX/XXXX taxes which by the way, are paid my me. XXXX county Missouri will accept a payment from anyone on anyone 's account. XX/XX/XXXX, XXXX ( my previous mortgage lender ) made a {$180.00} payment on my property taxes and attached a dummied up escrow account to my loan so they could sell it to nationstar. Nationstar became I loan servicer XX/XX/XXXX. I have never been late on my payments with XXXX XXXX XXXX, XXXX or nationstar. 
Prior to this I did not have a escrow account with XXXX XXXX XXXX or XXXX. 
Ntionstar is now softly threatening me with foreclosure actions if I do n't establish and maintain an escrow account with them. I 've repeatedly advised them that by my contract an escrow account is and has not been setup or will be. I have paid my XX/XX/XXXX and XX/XX/XXXX taxes. I 've requested that if they can not maintain my loan without an escrow account to sell it to someone else. their reply is for me to refinance with someone else. ( money to do so and time I do n't have ). I want XXXX and Nationstar mortgage investigated for predatory lending practices as well as some assistance on how to resolve this issue. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I received a bonus offer from Chase Bank regarding opening of new checking acct. 
I called their customer service and refer me to the nearest branch Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I came to their branch on XXXX XXXX, 2015 around XXXX. I entered the branch and went to their new accounts. I meet the banker name Lorraineand telling her that i will open a new checking acct and setting up direct deposit. She respond to met in rude way 'you know what time it is? we cant open your acct since it takes 45 min to finish but it told her i was at branch prior to their closing. So she asked the branch Manager XXXX. So She came back asking XXXX valid id 's So i present her my Valid drivers license and ATM debit from XXXX XXXX XXXX. While on the process she ask to enter my ssn # then i entered it. Then she asked me where i born .Then i replied to her that i born in the XXXX . She said oh yah ... .. then she said are you resident of the US ? i said yesthen she said i need your green card since you born from the XXXX ... .... 
i asked her if she is serious she said yes with rude voice ... ... ... ... ... ... 
I told her i have it but i do n't bring it with me all the time for safety reason. it might lost. 
She said i do n't care you should carry it all the time since you born from the XXXX. 
We ca n't open your acct. if you want go to another bank but chase policy is that we ca n't open without your green card specially your born in the XXXX. So i felt discriminated and embarass. because of my race as a born from XXXX. I ask the Manager XXXX XXXX to told about it but it get worse she protect her banker and telling same thing since i born in the XXXX i need to have my green card. So i asked her that i can bring it tomorrow cause i need it on my direct deposit. But she told me that same thing you born from the XXXX Chase bank policy is to have a green card as primary id. I told her that i have shown already XXXX form of id 's to banker XXXX .But Manager XXXX said again. It 's policy if you born in the XXXX we require green card as the id.Also she said she dont care even i report them to any agency since she is the vice president of the company. 
I felt discriminated for what they did to me. Hoping that you 'll help and assist me with this unlawful treatment by this personnel from Chase Bank.They reject me and discriminate to open an checking acct since i born from the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (UT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I am trying to request a payoff amount for my American Eagle Outfitters ( AEO/SYNCHRONY BANK ) card however they are either unable to give me an amount or unwilling to do so. I spoke with a representitive and she refused to transfer me to a manager when I requested and then proceded to hang up on me. I may be wrong, but having worked for a credit card company I 'm pretty sure that it is federally mandated to provide consumers with their payoff amount calcualted to a certain date pending no additional purchases are made.

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 12/28/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: Today a XXXX XXXX XXXX ( sounded like what he said ) from the checking account investigative unit of Citibank called me. According to him the bank sent him CFPB case # XXXX which deals with the closed XXXX credit card ending in XXXX. He didnt know why and ask me. I told him I did n't know why the bank contacted him but it sounds like their norm of miscommunication. 

My problem with Citi is why did the banks IRU send my closed checking plus payments to the credit card? That checking account ended in XXXX. The account numbers were written on the checks and money orders. I attached copies of the checks because Citi accused me of not paying, yet they cashed then applied the money to the closed credit card. XXXX XXXX kept asking me the same question at least four times. To me this was a rhetorical question ; he knows the answer. 

In addition to the Citi still has not addressed how can a closed XXXX account be a 169 days late as of XXXX XXXX? Now that Citi deducted the misapplied {$150.00} it has increased the amount owed on the closed credit card account. As stated in case XXXX I stopped the monthly {$70.00} ACH to the credit card and will pay {$50.00} a month until Citi gets their act together. I hope soon because they are purposely keeping me in extended debt to them on purpose.

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 02-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: I have been back charged from capital one credit card services. My credit card limit was XXXX and now it is reflecting a XXXX over limit charge

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I currently have about {$3000.00} in temporary credit with XXXX XXXX XXXX. I graduated in XXXX 2013. The temporary credit account is being serviced by a company called UAS XXXX. I have made multiple payments and then got laid off from my job about a year ago and used a forebearance on my account. I found work quickly and have attempted to make a payment on my account for the last year. Every time I call the customer service department the representative said that they ca n't understand me and that I should make a payment online. So, I try that and it tells me that my account information is incorrect and can not be verified. However, in the meantime they continue to call me no less than 5 times per day. So, I attempt to pay my debt and it seems like they do not want my money. It 's absolutely ridiculous. I called customer service last week and they said we could work something out. They emailed me paperwork that I printed, completed, and mailed back. I get an email tonight saying that the payment arrangements were denied and that someone would contact me from another company that I have never heard of. This company is horrible and so is the institution they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Medical) with S&S Physician Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Medical debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent Merchants and Medical ( also known as XXXX XXXX XXXX ) three letters regarding a balance they say I owed. The account number in question is XXXX Reference number XXXX. I do not recall this debt with Merchants and Medical ( also known as XXXX XXXX XXXX ). 

I am requesting a re-investigation. In addition to validation, I am disputing the balance listed as an amount owed, AND THE DATE OPENED FOR THIS ACCOUNT. The request for validation stated to provide a copy of a SIGNED contract bearing signature indicating that I have ever had any OBLIGATION to pay MERCHANTS & MEDICAL ( XXXX XXXX XXXX ). As stated before, a BILLING STATEMENT DOES NOT VALIDATE this debt. Based upon your abusive practices of PROHIBITED CONDUCT, you are seeking unjustified amounts, which would include demanding any amounts not permitted under an applicable contract. The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874,  codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices. 

The Consumer Credit Protection Act, as Title VIII of that Act statute states purposes are to : eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. 
Per the FCRA 15 U.S. Code 1692g - Validation of debts- this debt is deemed not validated and is UNJUSTLY REPORTING to the credit reporting agencies. Per the Fair Credit Report Act ( Inaccuracies in consumers report ), you are required to delete this debt from all three credit reporting agencies immediately. 
Once again, failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : DISCRIMINATION Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prosper Marketplace, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. 

The disputed account is : Prosper Marketplace - Acct # XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Medical) with Augusta Collection Agency, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Bill is for ambulance service in XXXX 2014. Insurance information and permission to bill insurance company was provided at time of service. In a conversation with the insurance company today ( XXXX XXXX, XXXX XXXX XXXX ) confirmed that ambulance service was covered under that policy but indicated that the ambulance company never submitted a bill ; they had one year to submit a bill according to the insurance company. The company never sent a correspondence with billing information to me at my current address at that time ; I only learned about the bill more than a year later. More specifically, I never received any information indicating that they did not submit the claim, nor did I receive a bill until after one year after it was too late to submit on my own. Today, XXXX XXXX XXXX company representative ( XXXX XXXX ) refused to provide any medical or billing information to me after I learned of the bill. She referred me to Augusta Collection Agency who 's supervisor, XXXX XXXX, refused to provide me with any information as well ; she only insisted I pay despite that this was a covered service. She further threatened me stating that this would not be removed from my credit report. XXXX XXXX XXXX was given permission to bill my insurance company but never did this. Further, they did not communicate in a timely manner that there was an outstanding bill or that any action was required on my part within one year. If there was a problem with billing my insurance, I should have been informed within one year so that I could have assisted in that process. Even at this time my information and original bill is being refused to me by both XXXX XXXX XXXX company and XXXX XXXX XXXX. This should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

Complaint: I have a ford XXXX XXXX the lease was completed on XXXX XXXX. I called the ford dealer for two more months of extension.they gave me XXXX XXXX to cover the balance.i called on XXXX XXXX to make a payment of XXXX XXXXthe ford dealer do n't wanted to receive my payment.that date until today I tried to make an arrangement with the ford dealer.but they refuse to do someting about it.today XXXX XXXX I received a call from the Ford dealer and telling me this weekend delivered the vehicle to the ford dealer.and i want my car and i want to pay for it.please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the list just continues ....

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 03/31/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Filed Complaint number : XXXX on XXXX against XXXX mortgage company. Got response via CFPB on XXXX/XXXX/XXXX XXXX PM from mortgage holder XXXX and via my investigate learned mortgage XXXX Estate of XXXX XXXX XXXX was sold to Seterus, Inc., XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 
Nothing I saw from CFPB within their portion of response mentioned any deadline to respond ( can supply response copy if requested ). When I called I was chastised for not seeing that a deadline was given to respond and told complaint was closed and had to file another complaint. I am doing so. 

XXXX XXXX XXXX XXXX was holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX. That unit has been in default of condominium fees for over 3 years. In XXXX XXXX XXXX filed a motion for default against the defendant unit owner. However, the default had not been entered. The condo fees are in arrears for now well over {$6500.00}. XXXX sold the loan to : Seterus , Inc . 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX and now Seterus are protected under safe harbor. The other XXXX retired senior citizen unit owners in XXXX XXXX have no protection or rights and are having to make up the difference for this defaulting mortgage holder every month of every year this goes on. If Seterus forecloses and we can set a viable owner in the unit, this nightmare stops for all unit owners. Again we are asking the Consumer Financial Protection Bureau to assist us in attempting to move Seterus forward with foreclosing on this unit and selling it so that indeed we can start receiving condo fee 's again. Other units have sold for well over the {$66000.00} that we believe is the mortgage amount so there is no excuse for this to continue. Seterus, like XXXX, is dragging its feet on its responsibility for this unit and is causing continuation of unnecessary and undue financial penalty to XXXX other senior citizen unit owners within this XXXX condominium association. This is a horrendous situation where mortgages just keep getting sold off and are protected when the remaining unit owners are not. This should not be allowed to continue. Help us please. 
Respectfully submitted XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with PAYPAL HOLDINGS INC. (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I didnot open this card, I gave no one authorization to open this card it is FRAUDULANTLY issued and used.

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 TENET HEALTHCARE CORPORATION (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX received a certified letter from me dated XXXX. XXXX XXXX received XXXX. Requesting XXXX XXXX to verify how they verify the information on my report. I have not heard back from them. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Navient keep adding balances and subtracting from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified that I was out forbearance. I resectively ask that the lates from XX/XX/XXXX be removed and set to current. As soon as I contacted my loans were put back in forbearance. Also I want all loans older than seven years off my credit report, as that is more than SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian has XXXX credit inquiries on my credit report. which is not correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation