milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to pay extra principal towards my mortgage & I used to do it online periodically whenever I had additional money. 
Nationstar changed websites and I was told I can not do it online without also processing early my customary monthly mortgage payment with additional principal. However, they can do it over the phone and will not charge me for it. I agreed and asked for money to go towards principal. 
They took as I asked additional $ XXXX but did not apply it to principal as I agreed but distributed between escrow interest and principal. I called and they apologized and reprocessed it all to principal ( but deducted {$35.00} towards inspection without my consent ). I was told that in the future I have to modify my next auto payment online to add additional principal. 
I did modify my XX/XX/XXXX auto pay to add additional principal to my monthly mortgage. On XX/XX/XXXX, they took mortgage payment + additional principal. 
But then on the same day, they processed another mortgage as XX/XX/XXXX which is a month in advance. I called them again just to spend over 30 minutes on the phone without resolution as it got disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On the date of XX/XX/2017 I logged on to check my credit as I do regularly. I noticed that my credit had dropped and there was a hard pull on my credit report. So I saw that CBNA was the company and did the pull on XXXX XXXX 2017. Well I called the company because I have n't taken out any credit cards or loans or even applied for anything. When I called the company I was referred to a different number who said they could help me better there. So I called the number the company had given me, and this number gave me another number that I need to call the company itself ( the very first number I called ) and that there is nothing they could do to help me and hung up. I decided to give the original number another call and said that unfortunately they do n't help these kinds of cases. The fact is I DID NOT REQUEST THIS INQUIRY.

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 08-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with JPMORGAN CHASE & CO. (MO).
Issue: Struggling to pay mortgage

Complaint: We took 15 yr. home equity loan from Chase Bank back in XX/XX/XXXX in amount of {$20000.00}.
I have completed 15 year loan terms in XX/XX/XXXX by paying on monthly basis {$130.00}.
So, I paid back to Chase total of {$23000.00} but they processed only {$5100.00} toward principal and collected {$18000.00} as interest Now Chase is requesting additional {$14000.00} or they are going to collection. This is an outrage bank practice collecting in interest almost as much money as loan amount was. Is there any consumers protection available in case like this?

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment from XXXX Bank online bill pay to Wells Fargo Home Mortagage on XXXX/XXXX/XXXX. Wells Fargo returned the payment on or about XXXX/XXXX/XXXX without any notification or knowledge to me. They started reporting my mortgage as past due a rolling over 40 month past due because of this issue. In XXXX I tried to refinance and found issues with my credit report concerning Wells Fargo. At one point Wells Fargo admitted it was their mistake and an internal error where they had applied the payment to escrow however when audit of escrow showed an overage they returned the payment to my bank when in fact it was ALWAYS MEANT to have been applied to MORTGAGE. I have been working tirelessly trying to get this issue resolved and my credit corrected and all interest and penalties charged to me corrected and me made whole again. I have been requested to give Wells Fargo Information regarding the transaction of XXXX Bank concerning this payment. Please find attached information that I received from XXXX Bank. 
From : XXXX XXXX : Tuesday, XXXX XXXX, XXXX XXXX XXXXTo : XXXXSubject : Wells Fargo payment XXXX/XXXX/XXXX PAYMENT EXTRACT MERCHANT REPORT PAGE XXXX WELLS FARGO MERCHANT ID = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Retail Operations XXXX ( XXXX ) XXXX - Office ( XXXX ) XXXX - Cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. 

XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (WI).
Issue: Managing the loan or lease

Complaint: I am contacting you with full authority from the consumer ... .I am filing this complaint from a Wisconsin car dealership on behalf of our customer. Here is what happened. Our customer lease a vehicle from US bank 3 years ago through our dealership. She wanted to buy her lease out and trade it in to our dealership as she was at the end of her lease. US bank told us that she had to go through a bank branch or it would be substantially more money for her to buy it out. So we told her to go to the US Bank branch that is across the street from our dealership. She did so on XXXX/XXXX/15 and she converted the lease to a loan and financed {$15000.00}. She then came over to our dealership after signing the loan documents with them and proceeded to trade the vehicle in to us and lease a different vehicle. Since the loan was so new it was difficult for them to determine the exact payoff but they told her that there would be a {$100.00} early termination penalty loan payoff plus {$1.00} per day in interest so we used a payoff amount of her loan of {$15000.00} even though it was confusing to us why they would even have a {$100.00} early termination penalty on a loan in the state of Wisconsin. Now they are telling us that we are short an additional {$78.00} and some odd cents which again does not make any sense and we tried contacting US Bank and they have no explanation for the difference. This customer is super upset and we do n't know what to tell her for the reason of the additional monies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TransUnion uses antiquated web programming that according to their own technical support people and support pages does not support XXXX / XXXX / XXXX / XXXX and only supports PCs. In today 's world, this is an absurd limitation and puts an undue burden on the consumer. With their tech support on the phone I tried to login using XXXX, XXXX and XXXX browsers on a XXXX. None of them worked. I subsequently tried to login from a work PC laptop I still had around and still I could not login. Their solution??? Send you a copy in the mail a week later!!! Worse yet, without login to web interface it makes it near impossible to dispute issues because their operators barely speak XXXX and are complete idiots. Worse yet, their data is completely erroneous and is not even close to the other bureaus. There should be financial penalties against credit bureaus that consistently misrepresent your credit history. I have had a house for 32 years and a mortgage for years. Sure, it has changed hands due to banks going bankrupt, but they punish my score because they suddenly say I do n't have a mortgage anymore even though the lender has not changed recently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (RI).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I went to make a purchase online using my credit card. The transaction was declined. My bank advised me the transaction was being routed through a XXXX bank. Soon after I started getting calls from XXXX ( a Michigan # ) trying to get information about my card for a better rate. This is clearly an attempt at executing some type of fraud.

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 08/31/2016 about Debt collection (Medical) with Collection Bureau of Walla Walla (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Approx. 18 months ago, I began paying monthly payments via check to The Collection Bureau of Walla Walla Inc ( CBWW ). I have NEVER missed a payment up to this day. Approx 12 months ago, a Cease and Desist Order was placed on this account by me which was repeatedly ignored by CBWW causing me to purchase extra features on my phone in order to Block Calls from CBWW. On XXXX/XXXX/16, I was served a lawsuit by CBWW demanding full payment to the tune of {$1700.00} despite only owing {$900.00} at this time. Several attempts to request ANY copies of me acknowledging owing this bill AND copies of ANY payment arrangements signed by me have not been provided. On XXXX/XXXX/16, I spoke via telephone to a CBWW employee named XXXX who admitted that I never signed ANY paperwork accepting responsibility for this bill AND she ALSO admitted that I never signed ANY payment arrangement with CBWW. AFTER I was served, the CBWW actually cashed ANOTHER check from me for {$35.00}. These creditors are being paid every month and are even cashing my checks AFTER I was served!! This lawsuit is illegal and unnecessary causing me an additional {$600.00} bucks plus almost 2 years of interest which is an outrageous illegal scam to rack up fees to purposely keep me in debt. This collection company has a systemic fraudulent office practice of knowingly racking up debtors cases when the total due amount gets lower than {$1000.00} purposely causing debtors to represent themselves in civil court, where they often lose and BINGO another {$600.00} bucks is added to their file. In my case, I have NEVER acknowledged even owing this bill, never signed any payment arrangement, and have a clean perfect record of paying every month!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Due to gross negligence ( improper password protection ) Equifax let their system get hacked. They did not disclose this information in a timely manner allowing more time before I could place a fraud alert on my credit and protect my personal information. Consumer were informed of the breach on XXXX/XXXX/XXXX however the actual breach occurred from mid XXXX to mid XXXX. This breach exposed my social security number, credit card information, personal address, date of birth, and drivers license number. I have reached out to the company but their phone lines keep dropping calls. The company has not done anything to rectify the situation, they do not even know whose information was stolen and the website they have set up randomly tells you if you may or may not have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Struggling to pay mortgage

Complaint: MY MOTHER PAST AWAY  XXXX / XXXX / XXXX  FROM THAT DATE UNTIL  XXXX / XXXX / XXXX   DITECH  HAS REFUSED TO TALK TO ME BUT STILL SENDS BILL FOR MORTGAGE AND FOR INSURANCE THAT THEY BOUGHT IN MY NAME WITH OUT MY PREMISSION. I SENT ALL LEGAL DOUCUMENTS TO THEM BUT THEY KEPT COMMING UP WITH REASON OR ITEMS NOT REQUIRED BY THE STATE OF KANSAS TO NOT TALK WITH ME, WE WENT TO COURT AND BASICLY NOT HEARD. THE JUDGE KNEW THE LAWYER FOR THEM AND ALL THE LEAGLE DOUCUMENTS I PROVIED WERE NOT IN THE FINAL JUDGEMENT WHAT DID SATE THAT THESE WERE NOT PROVIDED BUT IF THE JUDGE WHO WAS THROWN THE CASE WOULD HAVE ACTUAL READ THEM HE WOULD HAVE SEEN THAT THE DOCUMENT WERE THERE. I FILED WITH THIS ORGANIZATION AND MADE A COMPLANT BACK IN  XXXX  THEY HAD DAYS TO RESPONED TO THE COMPAINT, ON  XXXX / XXXX / XXXX  I GOT A LETTER SAYING AGAIN WE HAVE NOT FILDED WITH THEM ANY DOUCMENTS SO THEY COULD NOT TALK TO ME OR MY ROOMMATE WHO HAS MY POWER OF ATTORNEY TO SPEAK FOR ME ( WE WERE BOTH LIVING IN THE HOME UNDER QUESTION ). I GOT A RESPONCE FORM THIS COMMISSION THAT ON  XXXX / XXXX / XXXX  THAT AFTER THEY REVIEWED THEY WERE NOW WILLING TO TALK TO  US . DURING THIS TIME THEY SOLD THE HOME. THE ONLY REASON THEY RESPONDED IS BECAUSE OF THIS COMMISSION AND THAT THEY LOST A CASE IN  XXXX  FOR DOING THE SAME THING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (NM).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have received several " spoofed '' calls from Weiss and Associates threatening to freeze bank account or deliver court documents for unidentified debt. Today, called work number and left pre-recorded message indicated that call originated from `` County Processing Servicing Division '' and wanted me to " make myself available '' between certain time frames for delivery of court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 become aware I am a victim of identity theft in the last few months. I 've notified creditors in writing, I 've asked Equifax on more than one occasion to send related documents to creditors supporting my claim and it 's getting quite ridiculous. At this point the creditors should automatically delete accounts related to identity theft or if the creditors are being uncooperative Equifax should block/delete the accounts on behalf of the consumers claim according to the laws laid out in the Fair Credit Reporting Act. There is still inaccurate false items being reported to the Equifax Credit bureau. I have exhausted myself to try to have the inaccurate, incorrect information removed from my credit file, however Equifax keeps sending me letters saying the information has been verified as belonging to me. Enclosed in this complaint will be screenshots of correspondence with Equifax. OnXX/XX/XXXX I receive a notice from Equifax saying that the address XXXX XXXX XXXX in XXXX, Georgia XXXX has been deleted from my report. And then betweenXX/XX/XXXX and XX/XX/XXXX I received a notice from the credit bureau that there has been a change to my credit report and the address XXXX XXXX XXXX in XXXX, Georgia XXXX was supposedly reported by " one of my creditors '' as a recent address. At the same time XXXX XXXX was apparently deleted but still showing up. Now mind you, I have never lived/resided/got mail at XXXX XXXX XXXX in XXXX, Georgia. 
It does n't take a rocket scientist to figure out what is going on. The creditors in dispute are trying to verify the accounts as belonging to me by having identifying information such as an address that I have never lived at. This then gets the wrong address reported to my credit file so the creditors may verify the address as belonging to me so they do n't have to delete the inaccurate account information appearing in my credit file. This should be crystal clear to Equifax and they should delete the inaccurate credit accounts on my file that I have disputed more than once. The inaccurate credit accounts are XXXX XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XXXX. Please remove these accounts at the soonest time possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with APPLE RECOVERY, LLC (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.

Company response to consumer: Closed with explanation