milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Credit decision / Underwriting

Complaint: Due to the Economical Real estate crash on years XX/XX/XXXX, my hard financial ship due to income reduction, XXXX problems due to a car accident on XX/XX/XXXX, family catastrophic death, which I am including a detailed ( LOE ). I did start a mortgage modification during year XX/XX/XXXX directly with Fannie Mae, local office which, I did not know better to properly prepare my file to avoid being denied for the modification. later on I paid to an Attorney office few XXXX dollars for professional advise and to prepare my documents properly to submit them to XXXX. at that time during the meddle of the process, XX/XX/XXXX XXXX sold or transfer my mortgage to Nationstar Mortgage. Therefore and among my frustation and desperation, I was force to pay to another Lending office for more professional advise and to properly prepare and submit the file again to Nationstar Mortgage for a modification by XX/XX/XXXX-XX/XX/XXXX. at this time I was already getting on dip financial trouble without my saving striving to keep upside down property values so I used all my retired savings to pay debts. as well as, desperate being back and forth submitting documents multiple times to lender for more than 3 years. Please review complaint XXXX. XXXX. it was to be disputed by the XXXX office i did pay for it. I have not understand yet their " Unfair Lending Practice '', eagerness, negligence, unprofessional, luck of proper communications, manipulation of the process as to create a second Escrow account to their benefit. instead, for them to provide an straight, proper customer or consumer solution without giving us night mares, frustrations, time consuming and jeopardizing Customers Excellent Credit History. such as, in my case reporting to credit agencies I was up to 5 months late on payments. Which, I was never more than 2 months late on end of year XX/XX/XXXX. I am submitting herewith my Bank Account 24 month history payments and their history where you clearly notice that payments where not properly handle by them and with the XXXX Escrow accounted They created. Finally they offered me what they call a modification to extend the loan to 40 years without reducing my current really high interest rate of 5.875 %. Reason for which I am submitting again a complaint. I am submitting herewith : current Mortgage loan statement, The attorney letter firm XXXX, My Hardship letter of explanation, XXXX research, my bank account showing 24 months history payment, Nationstar Mortgage partial history payment, Loan Modification package of documents I received, annual Escrow Account Disclosure statement, and their biyearly Escrow Account Disclosure Statement for your review. Please just let me know which other documents do you need in order to properly proceed. I do Really thank you in advance for your kindly, proper and prompt attention given for a solution to this file or complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They continue to report address that belongs to my twin brother not me. 
They have added a employer that is not my employer.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my applicant was decline approval base on my location and a negative inquiry was still file offending my score.

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 02/15/2017 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: Navient has documented high balances and interest charges in which I am unaware of. The balance of my student loans are very high and seem too much for which my schooling cost. I am requesting someone to take a look at my account and help me to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.

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 04/17/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I PAID THE BALANCE OF THE CONN 'S ACCT IN FULL ON XX/XX/2016- # 1 ACCT # XXXX PAID IN FULL - {$160.00} AND XXXX SETTLEMENT ON PAID IN FULL - {$470.00} - CONN 'S APPLIANCE IS A CONN, THEY CALL AND CALL AND OFFER A SETTLEMENT ON PAYING THE BAL AND WHEN YOU PAY THE FULL BAL ON THE ACCOUNT, THEY SEND TO 3RD PARTY COLLECTION AND NEVER UPDATE CREDIT FILE WITH BUREAU, CONN ARTIST.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (DE).
Issue: Problems caused by my funds being low

Complaint: My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter I sent a letter to Equifax and   XXXX   XXXX   back on   XXXX   XXXX  , requesting that they investigate error on my credit report. I have not received a response from either.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Money transfer, virtual currency, or money service (Debt settlement) with Equitable Acceptance Corporation (CA).
Issue: Fraud or scam

Complaint: Equitable Acceptance called on XX/XX/XXXXXXXX to provide assistance in reconciliation for my XXXX XXXX  charging me a fee ; however, I 've been paying XXXX dollars on the XXXX of every month since the starting date XXXXXXXX. The document indicated it can be done for free but did n't provide information as to who the lender who be or new finance company. After speaking with XXXX they said the services are free and Equitable Acceptance is charging me a total of XXXX for the service.Also, I 've been in school the entire time ; therefore, my loans are in deferment but yet Equitable Acceptance continue to withdraw money from my account. Equitable Acceptance requested my XXXX card information over the phone failed to provide proper paper work.
The signature in the copy documents is not my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!

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 06-04-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Advertising and marketing

Complaint: I responded to an internet ad for a Chase Slate card that was promoting 0 % interest for 15 months to people who wanted to make balance transfers of up to {$15000.00}. I wanted to consolidate my balances from XXXX other cards and, as requested on the application, submitted balance transfer amounts totaling {$12000.00}. The card was approved. About a week later, on XXXX XXXX, I received a letter from Chase saying that they had only approved {$900.00} and were going to transfer {$880.00} from XXXX of the cards. It said that I had until XXXX XXXX to cancel the transfer. I called them to cancel the transaction and they said they wanted to check my credit again to see if they could approve the whole amount. It came back as a denial because I had too many credit cards with balances. They said I would get a credit denial in the mail. I told them that I wanted to speak to a supervisor. The supervisor said they could n't cancel the card because the transfer was already being processed. After I complained a lot, citing the letter I had from them that said I had 4 more days to cancel, the supervisor finally said my card will be cancelled. She could not tell me why they promoted a card offering balance transfers and then used those balances against me, saying that I had too many credit cards. Now I have XXXX bad marks on my credit report because I was denied credit when they insisted on running it through again and because I cancelled their card. I was trying to be responsible by consolidating cards and paying off my debt. People should know that this is a scam. Something should be done about Chase promoting this and then ruining people 's credit rating by refusing to cancel the card and insisting on running it through again creating a credit denial. I 'm sure many people are trying to improve their credit rating by being responsible and consolidating debt and that is who this offer targets. I certainly was not trying for another credit card. I wanted to pay down my debt and this offer was offering me that opportunity at 0 % interest. In the end, they would have gained a good customer who was being responsible. They should n't have approved the card if they were n't going to honor the balance transfer amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied and received {$50000.00} from the Hardest Hit Principal Reduction Program. The money was sent to my mortgage come in XXXX 2014. The applied {$48000.00} and took the difference and paid my XXXX payment and applied some to late fees. In late XXXX the funds were reversed and sat in a suspense account and no one was able to explain why it was reversed. It was then applied and reversed XXXX more times and each time money was taken away from the principal. To date only a little over {$44000.00} was applied toward the principal and I was told they took the remaining {$5000.00} or more dollars and paid my XXXX, XXXX and XXXX payment which I have been paying my monthly mortgage. In XXXX explanation they said they were given directives to do it this way then they said they never received any doucumentation as to what to do with the money and it is their perrogative to do what they want and I have no say so in the matter. It is the least to say that this has been fraustrating. So many agents have been dealing with this matter that it is now a total mess and what seemed to be a gift to help with my underwater mortgage has now been turned into a nightmare. I need hellp being directed to the right agency who can speak for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, Bank of America, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Bank of America willfully violated it 's own policy. I have XXXX previous open complaints against Bank of America for violating this policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NC).
Issue: Struggling to pay mortgage

Complaint: I have had my loan with Citi Bank since XXXX. I was no the rapid pay, by paying morgage every two weeks. In XXXX I was laid off of my job and I contacted Citi about refinance for a lower rate. My rate is 9 % and from start of loan until XXXX I was never late. They never lowered my rate. In XXXX I asked for assistance and was told, I could do a short sale on my home that I had not missed a payment on. I lost all my savings, and XXXX k paying my mortgage when I did not have a job. I became employed in XXXX. I was totally broke by then and I struggled to pay house hold bills even though I had a Job. I turned off phone, cable and did not go on any trips for over a year. In XXXX XXXX I was informed on XXXX/XXXX/XXXX that my check was returned NSF. I was never called about this, when looking a my bank statement I had more money than I thought and I looked for my mortage payment and it was not taken out I called Citi and was told I had to pay for XX/XX/XXXX through XX/XX/XXXX payments and fees from the attorney. While speaking to the agent, they was calling the wrong number and sent information to wrong email account. I was not notified of a Forclosure until XXXX/XXXX/XXXX. When I asked for my represenative she was very rude and short with me. I provided her with correct conact infomation and she gave me the attorney number and said I could do a short sale. I only owe {$69.00}, XXXX. I have asked XXXX to allow me to continue every two weeks payments so I could keep payments up and get out of debt, and was told " no we dont have that program anymore '' I feel that Citi is not helping me and want to take my home. I have not been given a court date to dispute the Forclosure. I would like my original payment of every two weeks and an new support person for assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a settlement sheet showing this house was paid off onXX/XX/XXXXhowever this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/XXXX Reporting shouldve ended on this line of credit for XX/XX/XXXXwith me only being 30 days late at the time.

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 10/29/2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. 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 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: diversified consultant keep calling my XXXX and XXXX year old sisters for one of my debts that has already been paid off and posing as an insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion shows XXXX hard credit inquiries dated XXXX XXXX 2016. I have not applied for any credit and am concerned that someone is trying to steal my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Managing the loan or lease

Complaint: My husband and I purchased a bed at XXXX XXXX 3 years ago, with a 3 year interest free loan. We had set up automatic payments, and calculated this to pay off the loan before the three years expired. At some point the loan carried by GE Capital was switched to Synchrony Financial. Without our knowledge or approval during this time our login was changed and the amount per month lowered to {$35.00} the minimum. Last night we received an email that we owed approximately {$2300.00} in interest. This was our first email from Synchrony that showed we still owed money on this loan. In calling Synchrony they were adamant that our login had n't been changed and that the automatic payments hadnt been altered from GE Capital to Synchrony, yet in our case it had. In doing some research I feel as though this type of practice and unyielding, rude telephone customer service may be common within their company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Bank account or service (Checking account) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Making/receiving payments, sending money

Complaint: In my case. when I schedule a payment to XXXX of my payees through First Tennessee Bank 's online bill pay service, First Tennessee Bank automatically deducts the amount scheduled immediately prior to any payment instrument being issued by First Tennessee Bank. They do issue a reference identifer at the time the online payment is scheduled. What I believe is that when my payee returns the payment instrument issued by First Tennessee for redemption, First Tennessee changes the initial reference identifier. They also change the reference identifer again once they close my statement out for that period. The information is attached in detail later on in this process,

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/XXXX item was placed on my credit files by Caine & Weiner - XXXX XXXX XXXX, XXXX Texas XXXX. Was noted as collections for XXXX XXXX Showed a collection amount for {$570.00} Disputed info with both XXXX and XXXX credit companies, still not removed from my credit file, only noted on credit report as of this date. 

I was unaware of this on credit file until XX/XX/XXXX. I contacted Cain & Weiner reference information being a false entry and account did not belong to me. It was found account belongs to my XXXX  year old son who did business with XXXX XXXX in 2016 reference DBA documents and at the time used same address as me. He has same first and last name, different middle name. 

I spoke with Manager XXXX XXXX ( XXXX ) XXXX Ext XXXX. Again I explained entry on my credit was incorrect / false and I was not the account holder. XXXX XXXX advised he would note account. Date of birth or last 4 of social on account holder, info could not be located when requested. Information still remains on account. This is lowering my credit score and needs to be removed as requested.

Company response to consumer: Closed with explanation