milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Closing on a mortgage

Complaint: This is just the tip of the iceburg -- there inability to process or track simple payment is more than negligent. In XXXX XXXX Mr.Cooper ( formerly NationStar XXXX provided final payoff amount and instructions. I provided requested Cashiers Check via USPS which MrCooper signed for on XXXX XXXX XXXX. For 2 months MrCooper has been claiming Cashiers Check was invalid, 1st they didnt have it, then NSF ( insufficient funds ), then 'return to maker '. This is even after I provided proof they received funds, endorsed, submitted it to my bank, and my bank fully reconciled cashiers check. The people at MrCooper did n't seem to understand how a cashiers check is different from personal check ; they were unable to provide proof nor front/back copy of check. Long story short, I think I figured out they actually did cash cashiers check, then tried to fraudulently submit it a second time which is what my bank rejected. Even after I provided proof of their actions they continued to claim my loan account was not paid. They demanded I send them another cashiers check. If you read on complaint web sites, you will see this follows there standard policy of delay, delay, delay in an attempt to extract more and more money. 

I would request to speak with a supervisor and Mr.Cooper would transfer me. I 've gone 5 or more levels up their supervisor chain and person on phone told me they were a supervisor with Executive Customer Support. I suspect that in reality all of the over 13 people I talked with were all first level support and not supervisors. 

Additional documentation is available

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: Nationstar mortgage has had my loan in modification from over 5 months everytime i call i 'm put on hold for long periods of time then switched to another person whom request the same information that i just gave the first person then i 'm switched to another person whom places me on hold for more than 20 min and then transfered to another person whom puts me on hold and never comes back to the phone or they hang up this is not what i expected from a mortgage company and i no longer want to do busniess with them I need someone to tell me what my options are to get out of this mortgage. PLEASE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My dob has been incorrect for many years and has not be corrected eventhough I have provided verification.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with ERC (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a collection notice from ERC dated  XXXX / XXXX / 17  in the amount of {$610.00}. I placed a call to ERC  XXXX / XXXX / 17  to make payment arrangements on the account. After I had discussed the payment arrangements, I then checked my credit report. The credit report verified that a Collection account from ERC was placed  XXXX /2017. The letter that I received from ERC dated  XXXX / XXXX / 17  was 30 days after the collection account was placed on my credit report, ERC did not notify me prior to placing a negative item on my credit report and did not allow the time to satisfy the account prior to reporting the collection account. ERC should allow 30 days notice to consumers before reporting negative items on credit reports. With the negative impact this account has had on my credit report, it will prevent Homeownership due to lower credit scores, it will also prevent employment opportunities that would allow for advancement to my career. This has a tremendous negative impact to many aspects of my life. I should have been give the opportunity to resolve the account with ERC prior to the negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: APR or interest rate

Complaint: The balance on my Sears card XXXX issued by Citibank keeps increasing, even though I never use it anymore. This month the minimum due is {$520.00} on a balance is {$9300.00}. I pay {$300.00} each month, but the balance does n't seem to change. I contacted the credit card company asking for a lower interest and lower minimum payment, but they responded that since I was no longer charging anything from Sears, the rate would remain the same.

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. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I tried to set up a credit freeze with Equifax on XXXX/XXXX/XXXX. According to the document on their website, as a resident of North Carolina, if I submit a request for a freeze on their website, there should be no charge ( {$3.00} fee for phone or mail requests ). When I entered in all of the information to put the freeze in place, it would no go through until I entered in credit card information so they could charge me {$5.00}. I refuse to do this as this charge violates state law. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (I do not know) with Stuart-Lippman and Associates, Inc (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This account has been placed in my credit report and I have no knowledge of who or what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Attempted to get a free credit report for me and my wife from Transunion. Not realizing that the proper channel was through XXXX, I signed onto the Transunion web-site. Their system is extremely deceptive in that they do not notify you that you are signing-up for a monthly subscription service at the rate of {$19.00} per month per individual. When I received emails confirming the subscription and the rate, I called Transunion to complain. The agent I spoke with indicated that they would cancel the subscription and issue a credit for both my wife and I. I was notified by email that the subscription would be cancelled effective XXXX/XXXX/XXXX but we have not received a credit to our XXXX account. Bottom line is that my wife and I were both deceptively charged {$19.00} for a subscription which we never wanted, spent many minutes on the phone trying to sort this out and in the end, they failed to issue credits as they said they would on the telephone.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax did not protect my personal Credit information and was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Savings account) with SCOTTRADE BANK (CT).
Issue: Deposits and withdrawals

Complaint: Scottrade had a database leak that effected nearly XXXX XXXX customers. Exposing their personal information online and allowing fraudsters to login to their online bank account stealing the money as well as selling the personal information to facilitate fraud. I was XXXX of the victims of Scottrade 's failed security and I am writing this complaint to express my concerns that Scottrade is not doing enough to assist customers who have been effected by the breach and Scottrade is also downplaying the amount of information that was exposed. 

Specifically, the following problems have occurred : 1. ) Scottrade ignored Whistleblowers who had been reporting to management that their databases were not property secured and that important authentication information was not robustly secured. 
2. ) The protection services provided by Scottrade are not retro-active. Thus if your account was hacked in XXXX, XXXX, or most of XXXX, you have no protection and Scottrade willfully admits that it is not providing protection for customers. 
3. ) Scottrade will not clarify to me whether my Scottrade Bank account was also affected. Furthermore, Scottrade states that my passwords were encrypted and not hashed which is a very serious security concern. 

This in combination with the fact that Scottrade stores your personal information is plain text makes me regret my decision to bank with Scottrade.

Company response to consumer: Closed
Consumer complaint received 08/26/2016 about Credit card () with CITIBANK, N.A. (UT).
Issue: Transaction issue

Complaint: I used XXXX XXXX Costco credit card until they issued new credit card from Citibank as the exclusive Costco credit card. Beginning balance with Citi was {$330.00} higher than the ending Costco balance. I 've tried to get Citi to acknowledge the error and they just keep sending me copies of their statements and not addressing the problem.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXX/Belk, XXXX/jcp, XXXX/lowes, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX XXXX and XXXX. I access this all from 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 02/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your 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 non-monetary relief
Consumer complaint received 09/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing statement

Complaint: Capital one reported me as 30 days late for a XXXX XXXX payment which is the only late payment that I have ever been reported on in the 4 years I have had the card and I disagree with this reported late payment. I have not been receiving my bills through the mail on a regular basis every now and then i do revieve a bill in the mail .do to me not recieving my bill regularly have been calling and making phone payments through capital ones phone services. The recording indicated that my payment for XXXX was due on XX/XX/XXXX so I waited till XX/XX/XXXX to make a {$500.00} dollar payment to XX/XX/XXXX payment and XX/XX/XXXX payment ahead of time and remainder towards principle. By making it on XX/XX/XXXX I thought it would cover my next month payment which I have done in the past and the system has accepted both payments crediting both months.By me not getting my bills in the mail on a regular basis I have only been able to determine my cycle through what their customer service line supplies me with which is due date of the XXXX each month. I called to resolve this issue with them and was told I signed up for paperless which is not true. I do not use the Internet especially for credit cards or for payments which my account should show that all payments have been made over the phone. When I asked them the history of the loggin they could n't give me a date other then the initial date which they said was XX/XX/XXXX which I 'm positive I did not sign up for paperless. I 've have spoke to several supervisors and it seems they are reading notes of the previous person I 've spoke to and no one 's making efforts to rectify there error which has miss led me and subsequently has caused damage to my credit score which renders refinancing my house ineffective before this happened my credit score would have been able to get my refinancing done which would save me and my family thousands of dollars a year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that XXXX XXXX XXXX is the owner of this account. Transunion reports incorrectly that this account has a balance {$7700.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (NM).
Issue: Managing the loan or lease

Complaint: the company Westlake financial is not reporting my creditthey received information that was needed on a joint applicantXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I had a fraudulent account on my credit report. I placed a fraud alert on my credit report with all XXXX agencies through XXXX. Then tried to dispute the account with all XXXX agencies independently. XXXX and XXXX had phone numbers to contact directly and dispute the charge immediately. However Experian lists phone numbers that are purely automated ( no option for an agent, hangs up after ) referring to the website. Tried the file a dispute on the website but i needed a copy of their credit report. I tried putting in my information and it told me " they are unable to honor my request '' and that I would have to submit in paper through the mail a request including all my personal and private information including social security number, date of birth, address and potentially money to buy a report. I already have a report through a different group, i do n't need a report. I just want to dispute a charge but there is no way to get this done directly. This is a consumer business that handles my credit information and is essentially holding it hostage to make a fee on a credit report. How is it possible that there is not a direct phone number to an agent required for this business?

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 06-02-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a mortgage with USBank. I recently had an escrow shortage and i made a partial lump sum payment to catch up. I made a XXXX XXXX payment of {$1900.00} which also included a catch up payment. For XXXX XXXX USBank was still showing that I needed to make a payment of {$1900.00}. I called them on or around XXXX XXXX in order to discuss this payment being a little high. They agreed to do an escrow analysis and found my XXXX XXXX payment should actually be {$1600.00} which I agree ( An increase from {$1100.00} which I was paying ). They said they would send a new bill and correct the information online. On XXXX XXXX ( the day before my due date ) their website still displayed a {$1900.00} required payment. I called them again and they agreed the issue should have been handled already and that they would escalate to a senior customer service rep and that it would be fixed that day. Today is my due date and the website still has not updated ... .it would not allow me to make the correct {$1600.00} payment online ... .it still wants an incorrect {$1900.00} payment ... and to make matters worse there is now a {$5.00} " Online Payment Fee '' attached. I believe I 'm being incorrectly overcharged on my escrow and USBank has now had XXXX service call opportunities to correct this issue which they have not done. I feel I have made XXXX efforts in good faith to make this payment but I do not feel that I should " donate '' an extra {$300.00} to them. On top of that I do not feel I should be charged a {$5.00} fee simply because the website will not allow me to make a correct payment. What other options do I have to compel USBank to make the changes to my monthly payment they have agreed to make????

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 04/21/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: RE : COMPLAINT ABOUT TD BANK BRANCH AT XXXX XXXX XXXX, XXXX NY XXXX BRANCH MANAGER XXXX XXXXHello : This is a formal complaint about the above referenced bank and its branch manager. 

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 

Second when I went to open up an attorney escrow account they made it as a regular escrow account not an XXXX Account which was again their severe mistake, with a regular escrow accounts being charged maintenance fees when no fees are supposed to be assesses on attorney XXXX Accounts as per state and federal regulations. 

Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My credit karma account alerted me to an account placed in collection saying I owe the County XXXX, Virginia what I believe to be a personal property tax. I 'm more than sure this is an error because I 've been living in the state of Tennessee since late last year

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Credit Corp Solutions Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently viewed my credit report and noticed that this company has report that I owe them a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Mortgage) with JPMORGAN CHASE & CO. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Calling me monthly asking when I will make a payment. Have not been late on a payment in over 3 years. They have no reason to call me. Have ask numerous times not to call me.

Company response to consumer: Closed with non-monetary relief