milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Total Card, Inc. (SC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted  XXXX  and a representative from the office told me to make my {$37.00} minimum payment in  XXXX  so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to  XXXX  to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online.  XXXX  came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in  XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today  XXXX / XXXX /   17  I called and come to find out the website is now updated to  XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month ofXX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage overcharged me in my payoff of my loan. They gave XXXX payoff amount, which was paid to them, and then they said that I owed more money, and gave me a new payoff amount. I had to pay interest for the difference, which amounted to {$580.00}, which I was overcharged. Nationstar assumed my mortgage one month before I sold the house, and when I called them to ask if they were going to do an autopayment, they said no, to send the mortgage check, which I did. They then XXXX cashed my check and extracted an autopayment for the same month, within days of each other, which resulted in a double payment for the month and overdraft fees in my bank account. When speaking with XXXX XXXX at XXXX x XXXX, he agreed that I had been overcharged, but since then has not returned any of my calls. Nationstar was completely at fault giving me a wrong payoff amount, and I should be reimbursed the {$580.00} I was wrongfully charged in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax is not correcting personal information or deleting incorrect accounts that do n't belong to me. For instance they are reporting an  XXXX   XXXX   XXXX  account and  XXXX   XXXX   XXXX  and a Treasury that are incorrect, and they must remove the incorrect information. What Equifax has been stating instead is that the customer disputes the information.     My student loan is being held up because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I applied for a student loan deferment on XXXX XXXX, XXXX they took my payment on the XXXX of XXXX from my XXXX bank account. 
They lazy agent said they were gong to put through a deferment. I am still getting phone calls and the deferment has not gone through.. 
I am not able to get a job due to my health problems. I can not get a appointment till XXXX of XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: - Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount -

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 03/14/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with statefarm. A company that I have never done business with. Ever since I started driving my insurance companies have been allstate and travelers. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Call asking for XXXX XXXX. 

Calls to a phone number NOT associated with XXXX XXXX. 

Calls to the phone number NOT associated with any debt for MORE THAN 365 days. 

Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN 365 days.

Company response to consumer: Closed
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, In regards to the entry of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 2017 {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX I am disputing 100 % of this profile collection entry. 
I am demanding that this entry be removed and blocked asap from my name and personal information on file with the CRA. 
With the on-going XXXX security breach, it looks like you are continually allowing bad data to take over your records. 
Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. 
Look at my history with you, in disputing junk and erroneous information. 

This does not belong to me and you are again aiding in ruining my credit profile with this erroneous account. 
REMOVE THIS ASAP!

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 05/22/2017 about Checking or savings account (Other banking product or service) with PAYPAL HOLDINGS INC. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: I made a purchase on  XXXX / XXXX / 17  with  PayPal and chose the pay after delivery option. I had the money but with the seller wanted the assurance that the item would come. At the same time I was moving bank accounts to a new account. Reaching out to PayPal was futile and they restricted and locked my account. I told them not to charge the old bank but to charge the new one. They did n't listen and ended up overdrafting my account. They told me there was nothing they could do and I had to talk with my bank. I just want to pay for my item.

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 09-12-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: NCC is reporting a balance of {$2200.00} with a past due of {$7900.00}. This is incorrect. The past due and the balance due are the same, {$2200.00}. 
I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (OH).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, 2015 my brother in-law purchased a XXXX Lincoln MKX vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX, OH. On XXXX, he passed away. 
When his children arrived, for his funeral, they asked family members if anyone were interested in transferring the vehicle account number XXXX into their name and take over the monthly payments? Since they XXXX lived out of town, and had to dispose of his property? I decided, and agreed, being a retiree from XXXX XXXX XXXX, to transfer the vehicle into my name. My niece sent the death notice to Lincoln XXXX Financial Service and stated to them that I was interested in transferring the vehicle into my name. Since this was a new vehicle and was purchased two months prior to my brother-in-law 's demise it held a lot of sentimental value by keeping it in the family. 
After receiving the transfer application paperwork from Lincoln XXXX on XXXX/XXXX/2015, I filled it out and fax the application to them on XXXX/XXXX/2015. I was told by a representative of Lincoln XXXX, to call in a couple of days for a status check and was told the application was approved. With a credit score of XXXX plus, I just knew that this was n't going to take no more than XXXX days to process the transfer of equity/ lease paperwork. I immediately started looking for a buyer for my vehicle and found a person who was interested in purchasing it for a set amount that we XXXX agreed upon. 
I would like to know why it has taken four months for this process, and the title transfer still was not completed? I strongly feel that this is a case of age discrimination since I was XXXX XXXX XXXX when this process started. I kept asking the people at Lincoln XXXX, why was it taken so long to get this paperwork done, and never received any type of rational answer? I wrote a letter to the top Executives of XXXX XXXX XXXX, and all the letters seem to go to this XXXX XXXX Analyst for Lincoln XXXX who wrote me back and stated that the matter was being looked into but never given me any solid information on what they were going to do to rectify this situation so that this does n't happen to anyone else. I would like to know what are they going to do about getting this done in a timelier manner?

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX NA XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XX/XX/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 11/14/2017 about Debt collection (I do not know) with Midwest Recovery Systems (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (VA).
Issue: Struggling to pay mortgage

Complaint: We fell behind on our mortgage due to temporary unemployment. We communicated with LoanCare to let them know about our difficulties. We were advised to fill out a Loss Mitigation packet. After almost 2 months of back and forth with that part of the company, we were denied for assistance. In the meantime, we have borrowed the money to catch the mortgage payment up. I have been trying to pay for this for over a week now. Here we are ONE DAY before our home is supposed to go up for sale and no one wants to help me. I call LoanCare to see how much I need to send them to make my mortgage right, they advise me that they can not give me that information, that I have to call the Law office handling the case. I had already called the Law Office last week, Thursday to be exact. They had to request the information from LoanCare. I am going back and forth with them, and now they will not even answer my phone call or call me back. It 's almost like they do n't even want the money for the house! Do they enjoy it when people lose their homes?? I am beyond furious with this company. I have been on hold all day only to be told that no one can help me. The Law Office has contacted them multiple times requesting the amount needed. The least they can do is answer the law office with an exact amount I need to pay so I can get this out of the way and move on. It really is n't that hard.

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 02/26/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Hello CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : 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 monetary relief
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I tried to refinance my home loan with Quicken - not only to reduce my payment, but also to consolidate a first and second lien. Considering their rating on XXXX and how they actively market how great a customer experience they deliver, I thought I could not go wrong. I provided all the requisite documents needed quickly, and they were responsive. Strangely, just before I was supposed to receive the Appraisal, I received a revised loan estimate with a higher rate. I did n't think anything of it, until I received my Appraisal for significantly less that anticipated. To note, their Appraisal came in at {$690000.00}, while third-party sites like XXXX provided a private estimate of over {$820000.00}. I asked Quicken to go back and take another look, providing other more relevant comps than the ones used. They also missed relevant items like lake views, while in one comp they stated lakefront, but it did n't have access to the lake across the street from me ( a simple check of public record would have isolated that fact ). Quicken came back to me with no change in valuation. I asked my Mortgage Banker why the change in the Loan Estimate and he stated that the higher rate was due to the lower valuation ; I took that as I could still refinance, but just at 50 bps more on the rate. A different person - a Solutions Consultant? - came back to me and said that it was published in error, and that I had to make up the difference in LTV if I wanted to refinance. This was an approx. {$100000.00} payment. Not only was this experience terrible, but I was given inaccurate information setting a false expectation, and pertinent details were excluded from my valuation, which impacted my ability to refinance the loan and improve my financial condition. I feel like Quicken put in the low valuation because my wife has some credit card debt and they did n't want to deal with it even though she was not going to be on the loan. The one positive was that their executive office people were responsive once it was escalated to that level, but I feel like Quicken, outside of having me pay down my mortgage by {$100000.00}, was not their to offer me counsel around options. Also, as I did not agree with the valuation, I asked if they would give me back the Good Faith Funds. They said no right off the bat, without even hearing me out. Now I have no refi 'd loan and am out {$500.00}. Just terrible all around. Shame on you Quicken for taking advantage of people like that. I gave you the Good Faith Funds in good faith I would get a refinanced loan, not to compensate you for your poor choice of Appraisers who do n't know how to do their job effectively!

Company response to consumer: Closed with explanation