milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MD).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with CITIBANK, N.A. (MA).
Issue: Advertising and marketing

Complaint: Asked citi if they waived their credit cards ' annual fees for XXXX service members. They said yes and gave me an email address and fax number to send my substantiating documents too. Filled out their credit card application since they assured me that there would be no fee and soon received my card in the mail. They later got back to me and told me that because I entered XXXX before applying, I do not qualify for the waived fee. This seems, at best misleading, and at worst, deliberate targeting. I have an upcoming XXXX and out charges on that card. My only options are to pay off that card somehow and close it out within & lt ; 20 days at this point ( even though I wo n't be reimbursed for another 40 days, at least ) or suck it up and pay the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NY).
Issue: Taking out the loan or lease

Complaint: ( $ XXXX that Honda will pay will go in to a fund to compensate affected borrowers ) XX/XX/XXXX, I purchased a used XXXX Honda accord and my monthly payment was XXXX. I always felt that my payment was to high, and I now know for a fact that I was a victim of the above actions listed in the lawsuit. As a direct result of Honda 's action, I 'm still trying to payoff the balloon loan. As it stands today, I still owe honda XXXX on a car only worth XXXX. How can I be included in the payout? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I closed XXXX accounts with my bank when I moved out of State. The bank acknowledged that I was closing the accounts and provided me with closing statements and checks for the remaining balance in the accounts. Apparently, the bank accounts were closed but the debit cards were not canceled. Subsequently there have been charges made against the closed accounts. The problem started when the bank notified me that the account was overdrawn because a charge on the debit card caused the account to be reopened and the charge paid. After speaking with the bank location where my old account was, the charge was reversed and the overdraft fee was forgiven and I was assured that this would not happen again. I then double checked to make sure there were no pending automatic payments with any entity I conduct transactions with. Since then there was another transaction with the same results. This time the bank can not tell me who charged the closed account other than " an international transaction '' and began pursuing me for payment. I then reported the new charge to the bank fraud department and again asked the bank why the debit cards still remains active. The customer service rep then said it would be a couple of days for the card to become inactive. After many phone calls to customer service, not only have they failed to close the debit cards, there are more charges being applied to this closed account and they are again pursuing me for payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion is deliberately obfuscating their security freeze instructions to direct customers towards their fee-based " XXXX '' monitoring system. They are doing this in direct response to the XXXX breach and appear to be intentionally exploiting customer fears to drive customers towards a revenue-generating product instead of assisting them in exercising their rights under law. 

Here is a permanently archived version of the TransUnion credit freeze web page as it previously appeared on XX/XX/XXXX, the same day as the XXXX breach announcement : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific direct instructions in plain language regarding what a security freeze is and how to add or remove a security freeze. 

Here is the TransUnion credit freeze web page as it appears since XX/XX/XXXX : https : //www.transunion.comXXXX Here is a permanently archived version of that webpage made on XX/XX/XXXX ( in case the above page is changed ) : XXXX XXXX XXXXhttps : //www.transunion.comXXXX Notice the specific clear instructions have been replaced by a marketing message carefully crafted to lead customers to sign up for their revenue-generating TrueIdentity product. Also notice that discussion of customer 's rights to a credit freeze is deferred to the end and written in very passive language ( " About credit freeze '' etc ). Also note that on their XX/XX/XXXX ( and current ) page they imply that some customers may not qualify for a credit freeze when they state that " a credit freeze may be available under your state law. '' This is in direct contradiction to their statement on their XX/XX/XXXX page they explicitly state *at least twice* that " TransUnion will allow any consumer in any state to add, lift or remove a security freeze. '' TransUnion appears to be intentionally misleading customers by using deceptive marketing tactics and intentionally vague language in order to manipulate customers into signing up for a product they do not need. The objective seems to clearly be to increase their profits by preying on customers in a time of crisis.

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 04-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is serviced by Greentree Servicing. I pay my mortgage twice a month- one-half on the XXXX of the month before it is due, and one-half on the first, when it is due. Greentree has several times applied the mid-month payment to the principal of my mortgage instead of treating it like a payment, and then they consider me delinquent on my payments. They then start calling me about payment, and sometimes those calls are incredibly offensive, with nasty people treating me like a deadbeat and asking if they should start foreclosure, etc. When I call them back they see that I have been paying like clockwork and the get my account straightened out and do n't charge any late fees. 

This happened again XX/XX/XXXX, but I missed the error until recently, when I noticed that the statements were more in error than they normally are ( there are always XXXX differing sources of the status of my account- the mailed statement, which is always in error, the amount given in a voicemail from some Greentree person dunning me for a payment I do n't owe, the amount given by their phone system when I call them, and the amount given by a live person when I call ). This time when I called they said that because the year end had passed they could not fix the error, meaning that I had to come up with an extra half-month 's payment in order to get my account current. I then spoke to a supervisor who verified that there was nothing they could do. She also said that by default whenever they get a payment that is not exactly what the monthly payment is, it gets applied to the mortgage principal instead of being credited as a payment. 

I believe this is a predatory practice conducted by Greentree, the intent of which is to increase income from late fees. This practice needs to be investigated and either federal or state authorities need to order Greentree to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: FedLoan Servicing unlawfully limits student borrower payments to eight ( 8 ) per month. Despite multiple inquiries, FedLoan Servicing is unable to specify on what legal authority it relies to limit borrower repayment options. Absent a lawful authority, the most likely rationale for this usurious practice is to make it more difficult for borrowers to repay loan balances in order to maximize interest collections. It is worth noting that no credit card, mortgage, and automobile creditors follow a similar practice. As such, FedLoan Servicing is unique in its unlawful and usurious behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with U.S. BANCORP (WA).
Issue: APR or interest rate

Complaint: I signed up for an 18 month duration US Bank interest free credit card, Acct XXXX :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee XX/XX/XXXX. The XX/XX/XXXX bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to XX/XX/XXXX bill, and charge 15 % interest and {$39.00} " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed

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 06/28/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Managing the loan or lease

Complaint: When meeting with a Consumer lawyer for another matter, the subject of online installment loans came up as being illegal in the state of Virginia. In order to charge usury rates of more than 12 % the lender has to be licensed in Virginia. If their name is not this list, XXXX, then they are not allowed to charge more than 12 %. Virginia law 6.2-306 states that a person can not waive away the rights to the usury laws of their state. Since, the contract is illegal it is not binding. I was told to revoke their ACH rights and to cease payments immediately. At that time I had already paid XXXX for a loan of XXXX. I have paid back their principal and the 12 % interest. I was told that due to this breach of the law that under Virginia Code .2-1541. A. Unlawful contracts void ; recovery of amounts paid. B. The lender on any loan for which a person has taken any action in its making or collection in violation of 6.2-1501 shall not collect, receive, or retain any principal, interest, or charges whatsoever with respect to the loan, and any principal or interest paid on the loan shall be recoverable by the person by or for whom payment was made. 

While I do appreciate the loan i do not appreciate the fact that they take advantage of the financial needs of people they deemed easy prey. We believe what they write and assume that it is legal. I guess they are banking on the ignorance of their borrower. 

They like to respond that they are licensed to lend money in Virginia. However, they fail to address the fact that no one at the Bureau of Financial Institutions for Virginia can find that proof. 

While they may be able to lend to Virginians it should be done legally. They are not a bank, therefore they may not export deregulation from my home state or preempt my home state protections.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, this is XXXX XXXX XXXX and my social security card and California drivers license has been uploaded to this attachment and compliant. 

On XXXX XXXX, 2015 Funding Suit Mortgage reports, located on XXXX XXXX pulled my FICO credit report pending the approval of my purchase application regarding a property which I am purchasing thru them and they came across an account which was affecting me terrible and refused to follow up on the approval process pending the deletion of this item from my credit report. 

I would like to ask Equifax to promptly remove the item in question ( # XXXX ) from the 'accounts ' section of my credit report. It is filed as a mortgage loan from XXXX XXXX XXXX and this is not accurate and very confusing to me. I have no other addresses and no other properties nor have I ever been a Joint signer. I have individual purchase status on my current mortgage an that is all. I have only XXXX address listed on my credit report and have never owned or foreclosed under any other property and therefore would like this inaccurate item removed from my file please. I have been at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) for over 20 years. 

Please note that FCRA Law requires that my credit report reflect 100 % accuracy. I am a XXXX and I have experience with FCRA regulations and procedures and I am certain that this is a misunderstanding and would like to provide Equifax with the opportunity to remove the item before it has harmed me any further. I contacted your offices in Georgia and was informed that I must begin a dispute process and was unsuccessful in obtaining my credit report in order to do so. So please, tho the agents at the offices of the Consumer Financial Protection Bureau, please ensure that this inaccurate and misplaced account is removed immediately from my credit report. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am receiving phone calls from Midland Credit Management. Several within just hours. They were trying to verify personal information, which I will not give them. I have perfect credit, which is monitored for credit changes and fraud. Therefore I am certain they are attempting to collect on a debt that is not mine or a very old past the statute of limitations debt. I do not trust collection agencies therefore I want this complaint on file in the event I have to sue this agency for whatever reason. I do not have outstanding debts and this agency is not going to be paid for debts that are not mine or old. They were told to cease communication by phone and mail. Letter was faxed and mailed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax credit reporting agency is providing incorrect information on my credit report pertaining to the State of Alabama XXXX payments, that has been going on since XXXX. The information is not correct due to the fact that I have been XXXX since XXXX of XXXX and my child had been receiving payments from the Social Security Department since XXXX of XXXX. I feel that this is an unfair practice of the credit reporting agency and the information has caused great damage to my credit rating giving me the outlook of a XXXX father. This information is currently being displayed on my credit report and I am asking that it cease from further reporting ASAP. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 I received an email from PayPal saying I 'd added a new address to my account. I have not taken any such action ; in fact, I have not used PayPay for several years. I 'm note even aware of the account number I used at the time. I tried to respond to the email and the email address would not let me. I tried the " if you did not make this change '' link on the page and the link does n't work. 
On XXXX XXXX, 2016 I received another email, this time from XXXX asking that I confirm that I added a new address to my account. Again, I tried to respond to the email and the address wo n't let me. 
I haven no idea where this is coming from and fear that someone may be trying to use my identity. The name they 're sending to my email address is not me, as shown in the attached emails ; and the address is in XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I am a small business owner, during the months of XXXX, XXXX the administrator of this company had reached out to a couple of funding sources with my permission. However, during the month of XXXX several marketing funding offer came through after hitting my credit report. I have not been able to get the names of all the companies but I did not give my permission to obtain a credit check. I believe this cause a significant drop in my credit 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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.

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 07/26/2017 about Debt collection (Private student loan debt) with CITIBANK, N.A. (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Dear XXXX XXXX XXXX ( Citibank/The Student Loan Corporation ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

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