milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owed XXXX XXXX {$230.00} front a charge off account on a secured card. I called and paid them. The amount of {$230.00} which includes processing fee taken out of my account on XXXX XXXX 2016. To dated municipal credit card have nut updated my account and when I disputed up with equifax they came back with verification saying that they are reporting correct. In accordance with the FCRA I am requesting that the XXXX be removed on all of my credit report in accordance with the new york state law 5 year deletion law.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Delinquent account

Complaint: Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I originally collected students loan from  XXXX   XXXX  for both my   XXXX   and  XXXX  degrees at  XXXX  in  XXXX  and  XXXX , respectively. I started repaying for the first first loan in  XXXX  soon after I completed my   XXXX   XXXX    degree  and continued repaying for both loans in after completing my  XXXX  degree in  XXXX , thereby reducing the principal significantly. However, in  XXXX , due to death in the family and divorce, I had to file f or Chapter   XXXX  Bankruptcy. Even while in  Chapter   XXXX  bankruptcy, I continued paying until my debts were  discharged in    XXXX . During the time that I filed for  Chapter   XXXX ,  XXXX   XXXX  indicated to me that my loan had been paid in full by the guarantor and that my balance is {$0.00}, although per the bankruptcy requirements, I was still paying to the trustee for disbursement to  XXXX   XXXX .     Soon after my discharge in  XXXX , I was contacted by NAvient that they have bought my account and that they will be servicing my loan. however, to my astonishment, the principal balance on my loan had accrued interest and was significantly larger that the balance that I had prior to  Chapter   XXXX , which should have even been lower with the payments that I have made through the  Chapter   XXXX  period. I have tried to work it out with Navient with no success. They keep lying and providing false information. As can be seen in the attached, Payments that I made between  XXXX   XXXX  through  XXXX   XXXX  more than 10 years, have not been shown. I believe the balance on my principal is wrong, significantly inflated and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. 

I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. 

I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with fraud alerts or security freezes

Complaint: As I prepare to apply for a mortgage, I pay everything off and wake up to a fraud alert on my experian which has spread to all three bureaus. I spent in excess of 8 hours calling the bureaus to remove this alert. The alert started with experian. I called with a 2-2.5 hour wait on hold to even reach the first person, to be asked questions from an unknown period in my life to prove my own identity, only to be hung up on and have to call back wait 2.5 hours to speak to the first person to have this fraud alert removed, assured it was taken care of to allow 48 hours for the removal. 48 hours later, the fraud alert comes back. I can not spend 8 hours every 48 hours to fix an erroneous fraud alert placed on my credit. My current lease is about to expire and I cant not have this on my credit report to apply for a mortgage. It is very frustrating and I have no idea where else to turn to get this issue resolved once and for all. They do not give me the information of where this is happening or what I need to do to fix this completely.

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 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Have sent certified letters and also have called to request that inquiries that I did n't authorize be removed from my credit report. I am always told to contact the creditors to request that they remove the inquiries. The creditors state that because I do n't have an open account with them that they do n't have any information on any inquiry being placed on my account due to them running my credit. I have been given the run around for the past few months no one seems to want to willingly help me resolve this matter.

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 12/17/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home mortgage. The refinance closed at the beginning of XXXX 2016. 
My loan servicer, before this refinance closed, was Freedom Mortgage. 

The title company, for the refinance XXXX XXXX XXXX requested a prepayment for the second half of our 2016 property taxes, {$2300.00}, due on XXXX XXXX, 2016. XXXX paid the property tax on XXXX XXXX, 2016 check # XXXX. 

After receiving my escrow refund from Freedom Mortgage, which was less than I expected, I logged in to Freedom Mortgage 's website, and realized Freedom Mortgage had also submitted payment for the property tax from my escrow account on XXXX XXXX, 2016. 

I called Freedom Mortgage on XXXX XXXX to inquire about this double payment. They told me the tax department would have to investigate my claim and this would take up to 30 days. On XXXX XXXX, 2016 I called Freedom Mortgage and they told me that their payment was not refunded to them, and I should call my county treasurer. 

According to our XXXX County XXXX, Freedom Mortgage uses a third party XXXX XXXX XXXX to handle tax payments to them. XXXX receives payments in bulk from Freedom mortgage early in the month of XXXX and pays near the due date of XXXX XXXX. Also, according to XXXX County Treasurer, the county tax roll is updated to XXXX on a nightly basis, and since the tax was paid on XXXX/XXXX/2016, the payment for our parcel would be deflected, email attached. 

I called XXXX to confirm this information. They told me that the payment for our parcel was deflected and they had refunded the payment to Freedom Mortgage in a bulk refund of {$63000.00} check # XXXX on XXXX XXXX, 2016, email attached.

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 02-04-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I saw an advertisement for opening a new personal checking account and cash insentive of {$250.00}. I applied online and did the part I could for opening the account online. Then a few weeks later I received paperwork to go in the branch to finish setting up the account. My direct deposits were made and ten transactions debited once I received my debit card and account officially authorized. I call in XX/XX/XXXXand they said it was not enough time. Then I called this XX/XX/XXXX and said they didnt see any promotions. They were going to submit a form. Now a couple weeks later they still have not given me the incentive of {$250.00}. No one can answer why and this form did nothing.

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 03/24/2018 about Debt collection (Medical debt) with AmeriCollect (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Settlement process and costs

Complaint: this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Trouble during payment process

Complaint: I have been making an extra payment to my mortgage with BoA on the XX/XX/XXXX-XX/XX/XXXX of the month every month for several years now. The regular payment is due on the XX/XX/XXXXof every month - I have always paid on time and there are no pre-payment penalties in the mortgage agreement. The extra payments have been going towards future payments ( interest included ) and not the principal balance. I have contacted BoA numerous times, most recently XXXX XXXX, resolution specialist for regulatory complaints. I have previously filed two CFPB complaints regarding this matter ( Case # XXXX ) and there has not been an adequate resolution. BoA is still misapplying my mortgage payments. Page 3 of the mortgage statement regarding application of payments clearly states : " If your loan is current and you submit additional amounts, [ ... ] if no instructions are provided they will be applied to the principal of the loan. '' Furthermore, under the title Paying Your Loan Ahead, it states : " We allow you to prepay your periodic payments one month in advance. '' " [ ... ] any attempt to prepay more than one periodic payment on your loan will result in your payments being applied to the principal of the balance of your loan. '' Throughout this issue BoA has been aware of my desires to apply extra payments to the principal of the loan. They have been continually misapplying these payments, in violation of their own terms and agreements within the mortgage, and the application of payments statement, as well as inaccurately reporting these future payments ( interest included ) on my credit report.
BoA 's solution to prevent future payments from being misapplied all include using services that  charge per payment. I currently use XXXX XXXX XXXX XXXX who writes a check to BoA twice a month. I am unable to write a personal check due to travel as a function of military obligations ( XXXX ). Through BoA 's attempted collection of fees for payments they are artificially inflating my interest rate on the mortgage, and preventing me from paying down the principal of the mortgage to further the bank 's collection of interest. I am again requesting that BoA retroactively from XXXX 2017, and in the future correctly apply additional principal only payments to the loan and abide by the terms and conditions stated in the mortgage agreement, and issued monthly on their statement to me. Currently my mortgage is paid through XXXX 2017 - this is completely unacceptable, and not accurately reflected in my credit report ( a violation of the Fair Credit Reporting Act - subject to a {$1000.00} fine ). All mid month payments shall be principal only payments from the origination of the loan until it is paid in full.

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 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a dispute to Equifax regarding an account that should not be on my credit report, as it was paid in full and agreed to be removed via the orignial creditor. This dispute was submitted at the beginning of XXXX of 2018 and has taken longer than 30 days to resolve. 

Account Name - XXXX XXXX XXXX Issue : Balance paid in full, agreed to be removed from credit report after resolved via original creditor. 
Credit Reporting Agency with dispute : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Money was not available when promised

Complaint: Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief