milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I was advised in XXXX. XXXX by the IRS of identity theft after filing my XXXX return. I completed all the necessary and required steps and had my credit reports locked down by all XXXX agencies-I thought. I was advised by the IRS in XXXX of XXXX of of having my identity stolen again. I completed all the necessary steps. The IRS advised I apply for a pin number. I did but XXXX of the requirements was to submit a credit card and to do that I needed to have my locked down report at Equifax to be temporarily lifted. I was unable to lift it because it said it had not been locked down and my only choice was to lock it down, not a choice to lift it. I attempted in every way to talk to someone but I found it impossible to have a voice contact with Equifax. This is unacceptable. If these types of organizations want to have the responsibility of the " keeper of the keys '', they need to make themselves readily available to the consumer and not hide behind websites and phone trees. These types of organizations need to be held accountable for easy access by the public when needed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with loanDepot.com, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I locked in a rate with Loan Depot on XXXX/XXXX/XXXX to refinance my mortgage on my property in XXXX, XXXX After 4 months of run around, they informed me that I needed to bring $ XXXX cash to closing so I can close on the new loan! Considering we started with minimal cash to close, they changed their mind 4 times and each time the cash to close went higher. 
It 's worthy to note that the consistent increase was not due to any new information I provided after the initial set of information they received, but after a long period of radio silence, when I was not getting responses to my emails or phone calls and messages, they told me that cash to close was increased because they had just noticed my Home Owner 's Association fee of {$120.00}! And for that they could n't close my loan unless I came in with $ XXXX in cash! Mind you, they had all this information from XXXX XXXX, but just realized it in XXXX XXXX, after they changed their interest rate and cash to close amount 3 other times, consistently going higher every time until it reached an amount that I had no choice but to drop the refinance. 
I was dodged around among XXXX people for the 4 months and each one of them gave me a different reason for their unjustified very very late decision. 

They wo n't even refund my appraisal fee so I can go pursue another refinance since I still need to change my mortgage from an interest only ARM to a 30 year fixed. 

I am totally shocked with the lack of professionalism and ethics of this financial company and the fact that they are out for your money at any cost. I will never do business with them! Hope you wo n't either!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: APR or interest rate

Complaint: On XXXX XXXX, 2015, I charged XXXX to my Citi Health Card account for vetinary services rendered at XXXX XXXX XXXX. I was to receive 0 % interest if the credit was paid in full ( do n't recall but between 1 1/2 to 2 years ). When I received my XX/XX/XXXX statement, I noticed an interest charge of XXXX. I called CITI to dispute the interest and was advised that XXXX XXXX XXXX entered the transaction wrong. They said that the veterinary center did not enter the promotion code. I immediately called the veterinary center and told them about the problem. 
The veterinary center called me back when they corrected the issue. I continue to receive finance charges despite numerous calls to CITI Health Card to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2015 about Prepaid card (General purpose card) with PLS GROUP, INC (IL).
Issue: Fraud or scam

Complaint: I purchased this card with My Drivers license for my daughter so she could use it for her XXXX XXXX account, I loaded the card with {$17.00} initially and then {$45.00} 3 days later so she could charge {$32.00} on the card. Upon entering the prepaid card on the XXXX website the card was charged {$32.00} it deducted from the funds available on the card but XXXX said she still needed to pay the balance confused I contacted PLS customer service number apparently there was a " HOLD '' placed on the card for {$32.00} it took 7 business days for that hold to drop off, I had to pay {$32.00} with my personal major credit card for my daughter when the entire purpose of me buying her this prepaid card was so that she could shop online and with her XXXX account without me having to use my Major Credit card. I spoke to supervisors and XXXX csr reps and none of them could explain to me why I had to wait 7 business days to get my {$32.00} back on the card for my daughter. XXXX rep even advised me the card was never activated, I activated the card personally and I know that is not true, anyway we waited the timeframe to get the money back on the card and it still was not available by the date XXXX at Midnight as promised I had to call AGAIN to have it manually added back to her card. I think this card is a fraudulent prepaid card and should be investigated I even contacted the PLS on XXXX XXXX in XXXX IN where I purchased the card demanded a Store Manager contact me, I never received a return call. These people are taking money from consumers for a prepaid card that does not actually work. I am so grateful that I stopped the Direct deposit of {$400.00} that I was going to put on it for my daughter every month for her allowance. It took us one week to get {$32.00} off the card there was no way I was going to risk putting more funds on this card. 
My child also tried to use the card on XXXX, XXXX and XXXX to buy some pink tights and the card declined each time for {$6.00} when she had {$55.00} on the card. 
I believe there is something shady about this company and it needs looking into to protect other consumers so they will not have to go through all that me and my daughter went to through to try and use their prepaid card. It does not work and it is a low budget company with poor customer service and poor management.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: After calling equifax, XXXX, and XXXX on many different occasions to resolve my childsupport being reported as owed and it is not owed they are still violationing my rights per the FCRA by reporting the false information. They are also hurting my chances of obtaining any credit by falsely reporting incorrect information. I sent faxed XXXX and equifax the letter my case worker sent me stating that I do not owe anything and I also uploaded it to XXXX but once calling XXXX they said they didnt receive it. XXXX and equifax are saying they cant delete it with the letter which is proof that I do not owe anything in childsupport. I have paid on time for several months and I became current in XX/XX/XXXX. XXXX told me to get in touch with my case worker again to see if she did her part. She insured me that she has done everything she needed to do and its the credit bureaus that havent done their part. By reporting this childsupport not only are they violating the FCRA rules and regulations but they are also hurting my character. I have tried calling and calling the credit bureaus to resolve this promblem on numerous of occasions and they have yet to comply with the FCRA rules. The credit bureaus can not continue to report inaccurate information on my credit file. The law is very clear as to the civil liability and the remedy available to me, FCRA 616 & 617.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Student loan (Federal student loan servicing) with Action Financial Services, LLC (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: The US dept of education have garnished two months of my SSI ( XXXX ) without my knowledge, I am a XXXX XXXX person, I have tried to reach out and the Dept sent me to a collection agency and for obvious reason I got nowhere with them, I tried to explain that this is for my XXXX meds and my car payment and they did not seen to give a XXXX XXXX XXXX XXXX I even looked on my ss website and it 's not showing up as a garnishment, like I mentioned no contacted me to even make payment arrangement, and according to the rules if you 're XXXX XXXX you 're forgiven for the loan and I 've been XXXX since 2008. Please help because I need these meds and I need a car to get to my doctors. Thank you kindle. 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 01/18/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Chase bank did a analysis on my mortgage after they received my home owners insurance, which went from {$690.00} to {$450.00}. They told me I had to much money in my escrow so they sent it back to me. Then they send me a mortgage bill my mortgage has went up, because I did not have enough in my escrow, I called and complain to them. why did you send me money back and then say I do n't have enough escrow. My mortage has went up from {$720.00} to {$720.00}. with a shortage of {$22.00}. I pay the {$22.00} and then they tell me my mortgage will be {$700.00}. After I pay that for one month it went back up to {$720.00}. I called again, why is my mortage going up and down. they claim because I have a shortage of {$22.00} but they after I paid it that it would only be {$700.00} for that month. They also claims my taxes are going to be higher XXXX they evaluated that. Well I received a letter in the mail that the board filed in my favor that my real estate assessment was not correct and that it change from XXXX to XXXX, XXXX making it a difference of XXXX. I want them to stop messing over my mortgage and if everything is going down, so should my mortgage. The person was rude, which was a supervisor and I told her that I was going to file a complaint because they are not doing their job. I am a single parent and I am on a budget, I am not trying to pay a high mortgage if I have the money in my escrow to cover my taxes, they told me it is state law you can only have so much in your escrow, then why have a escrow I can pay my taxes myself if that is the case. They are not taking into consideration non of my discounts.!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with JPMORGAN CHASE & CO. (TN).
Issue: Privacy

Complaint: Begining around XXXX, XXXX Chase Bank begin sending email notifications to my ex husband regarding my accounts. Now in all fairness, he was paying a credit card that was in my name but during the divorce he agreed to pay it. For nearly three years, this was never a problem then all of a sudden he got an email when I paid my mother 's credit card form her checking account. Now, their theory was my social security number was associated with my mother 's checking account and the credit card he was paying. However, his Chase profile was giving him the option of using my mother 's checking account to pay his bill. Finally in XXXX, XXXX, he paid the credit card off and removed his user id. We were then able to remove his email completely and for a few weeks everything seemed find. Now all of a sudden he is getting promotion emails from Chase documenting my credit card ending in XXXX. His name/id/social was never connected to this card. I feel Chase has been violating mine and my mother 's privacy and Chase will not give me an answer as to why this is continuing to happen or why after three years this became an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to LenderLive for servicing after we closed our loan. Once transferred, we submitted a form to request automatic ACH debits. Although they advertised online submission of the form, it was impossible to submit online. After attempting multiple times to submit online, we physically mailed in in the form. It has been three months since we submitted the form, and we have received no response, despite a promise for a response in less than 30 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Nelnet is putting a student loan on my XXXX credit report that does not belong to me. This long must belong to a different person. Please verify social security number for this loan. I 've been trying to get this removed from my credit report and Nelnet, nor XXXX will not remove this loan that does not belong to me. They have also been sending me correspondence. My Social Security number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I sent Equifax a letter along with all the required ID documents pointing out inaccuracies on my credit report in XX/XX/XXXX. They have ignored me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Credit decision / Underwriting

Complaint: Approximately 4-6 months my wife and I applied for a credit loan and was turned down because of 2 late payments to Nationstar reflected XX/XX/2016. We were not aware of this and wrote both the credit bureau and Nationstar Mortgage and received a reply from Nationstar dated XXXX stating that after review they would not change the credit reporting and it was my fault. They said because they sent us a letter stating a rate increase back XX/XX/2016. I do not remember seeing it. We average getting 3-5 pieces of mail from weekly along with numerous calls asking us to refi our loan. The customer service rep that was not their problem. 
My feeling is this " bunk ''. If you look at our history of paying this loan you will see payments being made on time and had made numerous payments in amounts greater than the normal payment. When I call Nationstar to speak with a customer service rep, 99.9 % of the time I get an " non-English speaking '' person of which is very hard to understand. 
I am hearing impaired and have asked to speak to an " English '' first speaking person and have n't had much luck. We have had numerous mortgages over the last 20 years and hands down Nationstar is the most difficult to work with. The loan we had applied for was with XXXX XXXX XXXX XXXX for the purpose of purchasing and RV.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
<P/>
It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
<P/>
Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.

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 01/31/2017 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a phone call from XXXX at my place of employment on apprx. XXXX/XXXX/2017, and it began just like this ... ..I answered the phone, the woman ( XXXX ) on the phone stated that she is calling to inform me that she is seizing my home and current vehicles for a debt that is said I owed. She further proceeded to ask for my bank routing and account information and credit card information to prevent her " field agents '' she has in the field from coming to my place of employment to arrest me and seize my property and banking accounts, or they 'll be waiting for me outside of my workplace to collect. 

I asked who was she and where is she calling from. XXXX stated that she is calling from XXXX and it 's the XXXX XXXX XXXX XXXX and she needs the money Now!. I asked that they not call my place of employment and gave another number to contact me. XXXX called that number and I asked for a " Letter of Validation '' be mailed to me to view said debt. XXXX stated that they do not mail letters and the only way to get one is through email. To date no letter has been received. 

On XXXX/XXXX/2017, I received another call at work from the collection agency using false pretenses. A gentleman caller said he was looking for me to repair a printer at my employer and needed to speak to ... ... ( myself ) to confirm repair. ( I work for a gov't entity and there is no need to contact me ). I asked for a name and phone number and he proceeded to say XXXX than he disconnected. 

*I 've asked that this company not to call my employer ; but continue to do so. 
* This company did not disclose communication that it was an attempt to collect a debt nor did they say the call was recorded or etc. 
*This company did not do any verifying of person they were trying to reach. 
* This company continues to harass me and use scare tactics and falsely claim to be other individuals or companies. 

I 'm scared out of my wits and the harassment and scare tactics are causing me undue XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing statement

Complaint: Chase Credit Services reported 30 Day Late ( XXXX 2012 ) to all major credit bureaus ( XXXX, XXXX, and XXXX ) arguing that Chase did not received payment from me for the month of XXXX 2012. The payment for XXXX 2012 was submitted on XXXX XXXX, 2012 through chase.com online portal, however, Chase Card Services failed to process the payment for unknown reason. I provided proof of payment to Chase Credit Services, however, chase.com stubbornly refuse to remove 30 Day Late from all XXXX major credit bureaus without proof or good cause.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!

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