milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 11/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I am writing because there was a mistake made on my account. My debit card was stolen and I reported the unauthorized transactions to XXXX XXXX XXXX. There was a unauthorized transaction made of XXXX on my bank account and my XXXX XXXX payment was XXXX dollars as well. The Fraud specialist must have accidently returned my XXXX XXXX payment and my account became delinquent. I was unaware that the payment was past due and did not make a payment until the following due date of the next payment and a 30 day late payment was reported by XXXX XXXX XXXX XXXX. There was a misunderstanding when the payment was returned. I am asking if the 30 day late could be removed because my debit card was stolen and the payment should not have been returned. Only the XXXX of the unauthorized purchase should have been returned. I have all of the photos to prove my case. I do not want this accidently returned payment to affect my XXXX XXXX for 7 years to come. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN # XXXX account number ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted equifax on XXXX/XXXX/15 regarding a public record listed on my report. I have disputed this item several times and every time they keep coming back stating that it is verified. When asked details of how they verified they refuse to provide me any details. On XXXX/XXXX/15 I spoke to XXXX at equifax over the phone regarding this public record listed on my report and that it is inaccurate and I would like details on how they verified it because I had spoken to the courts that this public record is listed from and they advised that they do not honor any verification requests from any of the credit bureaus. Equifax failed to provide me with details on how they verified this information only stating that it was verified. Per the law I am entitled to request details on the investigation process and as of right now they are willfully non complaint with my request. If they are unable to provide me with details on how they verified this information directly from the courts They need to immediately remove the public record being listed or I will be forced to take legal action against them for non compliance. I want details of how they verified this information, what date they verified it, method of contact with the courts, what was obtained, did they obtain original docket papers from that case.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Dear Nationstar c/o CFPB, Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage LLC ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX 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 XX/XX/2014, 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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: They have had my accounts in dispute for three months with no date due back to me

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THE CREDITOR XXXX XXXX HAS APPROVED TO HAVE THE INACCURATE LATE BE REMOVED FROM THE XXXX XXXX ACCOUNT. LETTER ATTACHED PLEASE HELP ME TO HAVE ALL THREE MAJOR CREDIT BUREAUS TO REMOVE THE INACCURATE INFORMATION THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (FL).
Issue: Unexpected or other fees

Complaint: Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.

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 10-12-2016 about Credit card () with Synovus Bank (CT).
Issue: Billing statement

Complaint: FIRST PROGRESS SECURED CARD DOES NOT ANSWER PHONE OR RESPOSE FROM MAILING MY COMPLAINT THEY STATE THEY WILL REPORT TO ALL CREDIT BURUES THEY HAVE NOT DONE SO AS STATED ALWAYS WRONG INFO THAT HAS HURT MY SCORE NOW I HAVE A LETTER THAT SAYS I HAVE BALANCE OF XXXX AND A CREDIT LIMIT OF XXXX BUT WHEN I PULL UP MY ACCOUNT IT SAYS I AM NEGATIVE MONEY NO AVAILABLE CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: There 's a problem with my loan. I am not behind in my payments but I may have to rescind the loan. I acquired the property in XXXX with an FHA mortgage. XXXX XXXX XXXX was then the lender. In XXXX I did a refinance and Citimortgage became my new loan servicer. 
In XXXX I applied to Citimortgage for a Home Affordable Modification Plan. When the bank did not respond to my request, I filed an application with the XXXX for help in getting a mortgage modification. At this point, Citimortgage responded and agreed to work with me on a modification program. Although I was current in my payments, they set up a Forbearance Agreement that relieved me from making the regular monthly payments for three months. I realized that they were putting me in danger of foreclosure but I went along with the program since I was on a fixed, low income and needed to reduce my monthly expenses. 
During the forbearance period, I applied to XXXX for a mortgage forensic audit to be done through the Consumer Mortgage XXXX XXXX. The auditor found XXXX serious violations in the loan documents. I called several real estate lawyers hoping to find someone who could help me investigate the errors, but none of the lawyers wanted to address my inquiries regarding the violations. 
Citimortgage did follow through with the loan modification and my monthly payments were lowered. However, I was upset that they put me back to a 30 year mortgage knowing that I was age XXXX at the time. Now I 'm looking to put my estate in order and I 'm concerned that my heirs may have problems taking over the property when I pass on. So I logged on to the XXXX web site to see what I could find. I entered my FHA Case Number as listed on the copy of the Security Deed from my current lender. When I clicked Submit, the following message came up : " No MINs can be located that match the search criteria entered. Verify the search criteria and resubmit. If you need assistance to make sure your search criteria are valid, use the link to see Help. " Under the Help link I entered my home address. Then an MIN number came up that was XXXX digit off from the number on my copy of the Security Deed, so that the MIN number on the document is incorrect. With all these violations and discrepancies, I 'm very concerned that my property may not pass on to my heirs after I die. 
I 'd like to know : Who owns the title to my home? 
Into whose account are my monthly payments going? 
What do the violations mean that were found on the forensic audit and how do they affect my loan? 
Will I get clear title when the loan is paid? 
I did not contact Citimortgage regarding these matters because I doubt that they would act fairly on my behalf. I would like someone from the CFPB to investigate and find out what my options are at this point. 

Thank you. 
I look forward to hearing from you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Had a negative balance of {$160.00} due to needing to make an emergency purchase and scheduled payments being removed from account, the amounts that sent my account into negative balance were pending. Transferred money, {$190.00}, via XXXX direct deposit to the account to cover the negative balance until next paycheck. Amount should have showed as pending but it was not deposited until after midnight, which is also when the two charges causing the negative balance would have exited their pending status. 

Was charged two {$34.00} overdraft fees, sending my account balance back into negative balance because the transferred money was not enough to cover the initial amount and the {$68.00} in fees. Bank refuses to refund the overdaft fees even though the 2 charges that sent the Account into negative balance initially were not posted until the same business day that the transfer was posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/22/2015 about Debt collection (Medical) with Kross, Lieberman & Stone, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There is a late payment on my Experian credit report. It was removed and now has been reinserted on 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 12/16/2017 about Payday loan, title loan, or personal loan (Installment loan) with FIRST HERITAGE CREDIT LLC (AL).
Issue: Charged fees or interest you didn't expect

Complaint: I initially had a personal loan and then they financed a car for me. I paid months in advance and was NEVER late. The former mgr, XXXX XXXX was wonderful and I was paid up until XX/XX/XXXX. So on XX/XX/XXXX, I made a double payment of XXXX, XXXX payments were XXXX through their automatic payment method XXXX, My balance at that time was XXXX and when I checked to see if the payments were applied, it showed my balance was XXXX. They only XXXX to principal. I called XXXX XXXX branch mgr in XXXX, AL to correct the problem and he has never RESPONDED. It still shows as only XXXX going to principal. I have asked for an audit of my account to no avail. 
Payment Entry Customer Name : XXXX XXXX Account Number : XXXX Contract Number : XXXX Last Payment Date : XX/XX/XXXX Last Payment Amount : $ XXXX Balance : {$2300.00} Regular Payment : {$270.00} Total Amount Due : {$270.00} Amount to Pay : To continue with your payment, please click " Continue '' below. 
To cancel your payment, please click " Cancel ''.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a hard inquiry on my credit report from XXXX XXXX, 2014 that I DID NOT AUTHORIZE. I am a member of a number of credit unions in XXXX. WHY ON EARTH WOULD I ever ask for credit from some unknown, inconsequential, out of state auto financing? I WOULD NOT! My cars have been financed through XXXX, XXXX, and XXXX. I NEVER authorized a credit check to finance my car at some out of state, sounds like a used car lot agency! Please get this removed. Trans Union and XXXX. 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 04-05-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have filed a few different disputes with Experian and they continually say my disputes are not going to be completed because I do n't supply new information. I have filed and asked over and over again for information on what they did to complete their dispute. They respond to me that they are not responsiblle to tell me who they talked to, who I can contact, phone numbers, addresses and anything else I can use to determine where they are getting their information. I think they are using a computer based system to validate incorrect information on my reports. Both XXXX and XXXX completed investigations using the same information I asked for from Experian and my reports were corrected, by both companies deleting all the incorrect information. If Experian continues to report incorrect information on my report and telling me to have the original company correct it, then the company tells me that Experian must do the same, what else can I do? Both seem to be playing me for a fool. I want this investigation done properly once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Debt collection (I do not know) with National Arbitration Forum (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call from an 'unavailable ' number ... as did my mother, my father, and XXXX of my sisters on their cell phones ( none of whom I 've lived with for over 20 year ), from a woman claiming to be 'Investigator XXXX XXXX from XXXX '. She claimed that she was notifying me of a certified court summons that she was hired to deliver to my home or place of employment on XXXX/XXXX/16. And that if she does appear at my place of employment, she will need my supervisor present as a witness and that I will need XXXX valid forms of identification. If I will not be available or I wish to resolve this voluntarily, I may contact the 'petitioner ' ; they are requesting to speak with me beforehand. Their number is XXXX, and then gave me a case number XXXX. Failure to contact the filing party will result in her coming out with a uniformed officer, as well as being issued a body attachment. She finished her voicemail by saying 'Thank you and good luck ... you have been legally notified '. First of all, I have had a legitimate court summons sent to me years ago after my divorce for a credit card bill that my ex did n't pay. No one called me first ; no one called my family members ; no one threatened me with police at work. It arrived from the mailman as a certified letter. Period. That is how all real legal court summons work. Do not let these people scare you into giving them money over the phone. I called the number XXXX ' left me & the voice on the 'automated answering system ' was this same XXXX ' person. When I finally got transferred to someone, the guy who answered claimed ignorance. I told him this person said you wanted to talk to me, why would she say that if the case is no longer in your office?? I raised my voice real loud & informed him that this call was being recorded and they had better stop calling me & my family & harassing me ; that I am going to report this wherever & however I can to help avoid others become victim to their scam and extortion. He claimed he was notating my account.

Company response to consumer: Untimely response
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Residential Credit Solutions, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a loan being serviced by Great Lakes that has been sent to collections. I have been unable to afford any payment options they have offered. They have put me on a rehabilitation plan where I pay {$5.00} a month to get out of default. However, they sent me a letter that states I can only get out of default if I sign a letter agreeing to allow them to charge me a 20 % fee ( of the total balance ). My loan is over $ 100XXXX so this fee would be over $ 20XXXX. I explained to them that this would put me in much worse shape than even before. I feel this is unethical and not in the best interest of their consumers. They are simply making the debt so large it becomes impossible to pay. They are using a collection agency XXXX The contact I have spoken with is very rude and and told me I have no rights to negotiate while my loan is in default. Your help is looking into this unethical practice would be greatly appreciated. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problems caused by my funds being low

Complaint: Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.

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 monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/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