milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Since well over Ten Years Equifax is using the same incorrect statements in the Credit reports of my wife XXXX XXXX XXXX as well of mine, XXXX XXXX XXXX. 
These are the wrong statements : XXXX Time of Delinquency is too recent or unknown. In Fact we do not have any Delinquency. 
XXXX Number of Accounts with Delinquency. 
XXXX Proportion of Balances to Credit Limits Is too High on Bank Revolving Accounts. These are the Facts : My wife and I have XXXX Credit Cards : No. 1 is a XXXX XXXX XXXX card for XXXX Purchases. 
No. 2 is a XXXX XXXX XXXX XXXX card for all our daily purchases/expenditures No. 3 is a XXXX card we have since 20 years, is rarely used, except when traveling abroad. 
No. 4 is a XXXX Credit card. 
No. 5 is a XXXX XXXX card with a 2 % rate for 18 months. 
All of the Balances of these credit cards are being paid off fully on a monthly basis or when otherwise due! 
Based on these facts the a. m. statements in the credit report are unacceptable for us. 
The same is true for the statements in the reports of XXXX and XXXX. 
They seam to feed on each other. This kind of poor/lousy business practice is hurting and has to stop. 
We like to get detailed explanations how the Credit Reporting Agencies collect their information and where they got these wrong statements from. 
Thank you for your help also in the name of millions of people who are negatively impacted, do not know and do not have the means to fight these unsolid business practices. 
This kind of " easy '', unsolid and lousy way to do " business '' has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIDELITY CAPITAL HOLDINGS, INC (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This account is appearing as a credit line and it is not a credit line. The research I 'm doing shows that it might be a judgement. This should n't be appearing as a debt. There was no line of credit given to me or anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Usaa will not verify me for my account that I have been locked out of and now, after reading consumer report s and seeing this is a company scheme, I want the account closed. The company, usaa, refuses to respond to multiple telephonic and e- mail requests to do this when it was apparent that there never will be verification and my info is being, sold, used, and manipulated for financial gain. Shut it down!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen placed lender insurance on my property backward in time, communicating their decision XX/XX/XXXX with letter dated XX/XX/XXXX but insurance effective date of XX/XX/XXXX. They state there was a lapse in insurance, but the fact is the property is insured through master condo policy, and they never asked/explained/requested additional insurance for the interior before. 
In addition, the insurance they purchased was for an address that is not a match of my property address. 
I made numerous calls trying to resolve the issue in the best possible way I can ; I purchase the additional insurance XX/XX/XXXX, and requested a full cancellation of the lender placed insurance, but they denied my request. Since then, I am being bombarded with lots of letters from them.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Please see the attached XXXX Page Scanned Document, which is self explanatory and yet to be responded by ASC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
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 disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and Transunion in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

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 07/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX TO : THE CONSUMER FINANCIAL PROTECTION BUREAU What is the complaint about? Nationstar Mortgage Fraudulent Activities/Harassment What type of problem are you having? Fraud, Harassment What Company is involved? NATIONSTAR MORTGAGE Who are the people involved? I act on my mothers behalf and was granted power of attorney. My mom, who is XXXX, was diagnosed with XXXX. What Happened? On XX/XX/XXXX my mother received a letter from XXXX XXXX, Chapter XXXX Trustee informing her the Chapter XXXX Plan was in the closing process and from this date forward to make mortgage payments to Nationstar Mortgage, LLC in the amount of {$1100.00}. Nationstar was ccd and received a copy of the letter. Since XX/XX/XXXX to present, payments in the amount of {$1100.00} have been made to Nationstar. On XX/XX/XXXX, we received notice from our attorneys the Chapter XXXX plan was discharged. On XX/XX/XXXX, we received a letter from Nationstar stating the account is delinquent and listed the default date as XX/XX/XXXX. Nationstar alleges the account became delinquent prior to the XX/XX/XXXX, discharge date. They are making this claim even though on XX/XX/XXXX, they filed a Response to Notice of Final Cure Payment checking the box that they agree that Debtor has paid in full the amount required to cure the default on Creditors claim. I called Nationstar and they insisted the {$1100.00} payments were partial payments and the correct payment amount is {$1500.00}. I subsequently reviewed Nationstars online report which showed they were posting payments of {$1500.00} although the stated amount to be paid {$1100.00}. From XX/XX/XXXX to present, Nationstar has called on a daily basis numerous times throughout the day. These calls continue despite the fact Nationstar received notice we have legal representation. On XX/XX/XXXX, our attorney sent a letter to Nationstars attorney who filed the response to the final cure, and to date, Nationstar has not responded. On XX/XX/XXXX, our attorney filed a Motion to Deem the Mortgage Current and a hearing was set for XX/XX/XXXX. Nationstar did not attend the hearing or respond to the attorneys correspondence. The court wrote its tentative ruling on our motion to deem the account current. On XX/XX/XXXX, our attorney informed me the Court will send the final order to Nationstar. Despite the legal actions, and ruling in our favor, Nationstar continues to call and harass my mom and I daily. I have documentation to support our position, however I can not not share all of it as it is protected by the attorney-client privilege.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Settlement process and costs

Complaint: Nationstar Mortgage company held my mortgage which they purchased from XXXX. On XXXX XXXX this balance was payed off in full. on XXXX XXXX I called Nationstar to inquire when I should expect the release of mortgage/Iien papers and when my county would receive the deed. At that time I was told XXXX days after payoff, which was XXXX, so I should receive release of mortgage in XXXX days. 
On XXXX, I again called them and was told I would receive the paper work in XXXX days, on XXXX XXXX I was told 30 days following payment, which again they said was received XXXX XXXX, so again I was told, inXXXX business days. On XXXX XXXX, I called again and was told my paper work should be received in XXXX business days. On XXXX I went to Nationstar 's online site and filed a form requesting the proper paper work to show the mortgage had been payed off, on XX/XX/XXXX, I received a return memo per e-mail stating they had received my request and should receive the release notification in XXXX business days .As yet I still have NOT received this and am beginning to believe they have lost the the deed, I am tired of this run around. I was given your name by another financial institution. My next step will be to an attorney, I feel that I have been overly patient. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Federal student loan) with Collection Technology Incorporated (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CTI is using unethical practices in collection for the US Dept of Edcuation. I have sent several rehab payment agreements for my student loan. Every other three or four months I 'm being called to state that they never got my paperwork and that I put myself on a payment program when I have faxed several times over all the requested information from this office. As of XXXX/XXXX/15 I was told that they never received my paperwork and now being told I have to pay more than what was agreed upon. They are the worse at this and I ca n't believe that the federal government has allowed this agency to use and collect for them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up for Citigold checking account which had a promotion for XXXX XXXX XXXX miles. After meeting the requirements and confirmation of meeting requirements by Citi Bank, it has taken multiple calls and messages to get the miles posted to my account. I have contacted them again today on XXXX/XXXX/16 to sort it out and have saved the conversation and their incompetence at handling this issue even with reference to said case number. After 6 months of trying to sort this out on my own and given false promises of when my points will post, I am reaching out to the CFPB to help my case.

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 11-11-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (FL).
Issue: Application, originator, mortgage broker

Complaint: I received a letter from Quicken Loans dated XXXX/XXXX/15 indicating we were eligible for refinance through HARP. The letter had my loan number provided by XXXX. 
When I called the XXXX number, I spoke with a fast talking representative who told me several lies, including,1. Quicken was the sole provider who was authorized to refinance this particular type of loan. 
2. He would not be able to provide a quote for the refinance without pulling a hard credit pull - doing so he said would be meaningless. 

When I indicated I had gotten a quote from XXXX 2 months ago, he told me that was impossible - that Quicken Loans was the ONLY provider who was able to do this refi, and they were working with XXXX in a new partnership so they were the only provider authorized to do this type of loan. 
When he would n't provide a quote without a hard credit pull, I hung up. I received a call from XXXX, a few minutes later. When I googled the number, it shows to be a Quicken Loans number in XXXX, AZ.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments. 
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!

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 02-01-2017 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a private student loan from XXXX XXXX XXXX in XXXX for {$10000.00}. I started making payments on XXXX/XXXX/XXXX 6 months after my graduation date. Since then I 've made at least 60 payments over the minimum payment, in addition to paying the minimum payments. As of now I 've paid {$8100.00}, {$5000.00} toward the principle and {$3000.00} toward interest. That would mean that around 62 % is going to toward principle while about 38 % is going toward interest. My interest is variable, has hovered around 5 % since getting the loan and changes nearly monthly. The amount that goes toward interest vs. the amount going toward principal seem to fluctuate monthly as well. One month 26 % of the installment will go toward interest and the next it will be different. I believe I 've paid approximately {$2800.00} over the minimum payments. It appears that those overpayments are not being applied to the principle of the loan. Moreover, the documentation of the loan declares my original amount borrowed as {$10000.00}. My installment amount seems to change every month even though I 'm on a steady repayment system.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Due to a {$0.00} ( cents ) past due tax bill. Green Tree decided that we needed an escrow fund set up on the mortgage payment to pay our future taxes.This raised our monthly payment from {$550.00} per month to {$820.00} per month. We contacted Green Tree to get this removed from our payment but the customer service rep. said this would have to be taken before a review board and they would have to investigate and make a determination as to whether it should be removed. We sent documentations showing we paid the taxes, and that we would continue to pay our taxes ourselves. They evidently ignored these documents and continued on their own agenda. We feel as though the company has been trying for the last few years to steal our home by any means possible since our loan was sold to them without our being notified of the impending sale from XXXX. We would never have gone with this disreputable company. We do not want to pay for an escrow account we have never needed. We feel like they do not listen to us when we contact them, and when they put you on hold to discuss this matter with someone, they are dodging the issue. We sent our XX/XX/XXXX payment in to them and they are holding it and not applying it to our account so we will be behind in our payments. We feel like we are being taken advantage of!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2016, I received an email from by banking institution which is BB & T bank. It stated that I over drafted my checking account. I thought this could not be possible as I had {$1600.00} in my account and my federal tax refund coming in at the same time which was over {$3000.00}. Upon calling BB & T, they stated that yes in fact I did have {$1600.00} in my account in the XXXX of XXXX/XXXX/16 however, their system pulls all debits first and then posts the credits to the account. Even in the debits and credits hit the same day, the debits are always pulled first. Therefore because I had all of my bill pay items hit on XX/XX/XXXX, my account showed a negative first because the tax refund hit my account after all the debits are posted even if it was the same day. I am so frustrated with BB & T. This is just a way for them to make {$36.00} from someone who has way more funds in their account than what they are spending. I feel like the need a 24 hour hotline just so you can call and make sure your purchases the night before wo n't exceed your direct deposit in the morning. I never thought I would get an overdraft fee at the same time when I have {$4800.00} sitting in my checking account. In some way this has to be 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 explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I reached out to Equifax about 2-3 times within the past few months to get my credit card reported however they 've failed to do so. I 've emailed and called them. I first emailed them on XX/XX/XXXX and notified them that my credit union had sent them information regarding my credit card. I then called them about 2 weeks ago and asked if they had received the information to update my report. They stated that I would need to reach out to the credit union to have them submit the information. The credit union has sent me confirmation of what they 've sent to Equifax on XX/XX/XXXX. It 's been almost 2 months and my credit card still is n't being reported. Equifax told me it would only take 30-45 days to update this information. I 'd like my credit card to be reported to them as soon as possible, as this will boost my score and will further increase my chances of purchasing a property.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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 data breach has put me at heightened risk for identity thef.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Chase as I was changing jobs and it seemed like a good time to make the switch since they advertised a promotional free {$200.00} when opening an account and enrolling for direct deposit. I generated the coupon code and presented it to the banker before he opened my account and was assured that it would be entered. 

About a week after getting my direct deposit I contacted Chase asking when promotion would be depositied into my account, and provided the coupon code as well as the Date/Time it was generated making sure it was on my account. I was then told that since it had been over ten days that I would have to go to a branch, which I did. 

The branch acknowledged my coupon, and was unable to enter it and I was told to contact support. I contacted support back who thanked me for my business but that they could n't enter the coupon. 

I am in no way at fault here as the banker failed to enter the coupon ( yet it was acknowledged it was valid ) and that was a primary reason I opened an account with them in the first place. If you are going to advertise a coupon you ca n't simply ignore it and then say it 's too late when the time to notice it is longer than the time it would take to show up. It takes up to ten business days for it to be credited to your account, yet you have ten days to tell them to enter it ( after it was already presented )?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have a fraudulent atm transaction on my HSBC debit card. I got a letter today saying they denied my claim, that the transaction was authorized. Umm, HELLO PEOPLE! I most definitely did NOT AUTHORIZE any such transaction. Theyre zero liability policy isnt worth a thing if theyre just going to deny your claim for no reason! I DID NOT AUTHORIZE THIS TRANSACTION!!!!!!!! I am not letting this go! I was ripped off and youre not honoring your zero liability policy. Youre supposed to be on my side, not the thieves side!

Company response to consumer: Closed with explanation