milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2015 about Mortgage (Conventional fixed mortgage) with MORGAN STANLEY & CO. LLC (OK).
Issue: Settlement process and costs

Complaint: My financial advisor referred me to their XXXX XXXX department when I told them thay I was going to buy a house. I was approved for a loan and I started looking for houses in my price range. When I found the house that I wanted I locked in my rate and started the application process. Throughout the process they exhibited poor communication and started asking for documents a couple of days before closing. Two days before closing they contacted me to finalize numbers, including my monthly payment which was quoted to be {$1500.00}. When I got to the closing table I discovered that monthly payment would actually be {$1700.00}. When they informed me of this payment I felt like my back was against the wall because I was afraid being sued by the seller and I felt I had no choice but to sign. Since my closing two weeks ago I have been under duress on how I am going to make my monthly payment. On my Truth In Lending Disclosure they quoted my taxes and insurance to be {$290.00} a month. As a normal consumer this number did n't seem out of the ordinary to me. In doing my research I have been made aware that several professionals from Morgan Stanley Home Loans neglected to change the property tax number to the correct amount even after they were told by the title company on XXXX occasions that their estimated property taxes needed to be adjusted. Morgan Stanley Home Loans were negligent on several occasions. I am now stuck with a mortgage payment I ca n't afford.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I wrote to Equifax and disputed multiple accounts that were not mine as a result of identify theft. I requested the information blocked. I included a copy of my identity theft police report made with the XXXX CO police department and a copy of my CO drivers license and XXXX XXXX statement proving my identity. 

On XX/XX/XXXX I received a responce denying my request On XX/XX/XXXX I wrote to equifax and disputed the same accounts that were not mine. I included the same documentation stated above and additionally provided a copy of my identity theft report with the FTC from identifytheft.gov On XX/XX/XXXX I received a responce denying my request. 


A family member opened multiple accounts under my name without my knowledge while living at the same address. XXXX and XXXX have both agreed to block this information. I provided all the documentation as required for idenity theft but Equifax failed to remove the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This is not a duplicate. Each applicable CRA must receive this dispute. 

In XX/XX/XXXX I disovered a judgement on my Equifax credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the data furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check sent to me by the State of California Treasurer as well as a printout of my total tax liability and refund for the XXXX tax year relevant to item # XXXX listed as a judgement on my credit report. 
Upon processing of the facts, the Data Furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the tax lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Equifax credit report that states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Equifax has refused to correct and update this item and I have had received uwarranted scrutiny and unfavorable decisions from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: My statement was generated on XXXX XXXX, 2016 ; the payment was due on XXXX/XXXX/2016. I made a payment of {$1000.00} on XXXX XXXX, 2016 which I asked them to apply to my promotional balances as I had no standard purchases. I made the assumption that this payment amount would automatically include minimum payment since the payment totalled {$1000.00}. Today I checked my bill and the bank has charged me a late fee of {$25.00}, claiming I still had a minimum payment due of {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Consumer Loan (Installment loan) with Ditech Financial LLC (CA).
Issue: Taking out the loan or lease

Complaint: This is my third time contacting the CFPB about Green Tree AKA Ditech LLC. This company has engaged in negligence and deception in regards to a questionable debt that their representatives have mislead me to believe to be an unpaid car loan and then a home mortgage. This form of deception is an infringement on my rights under the XXXX Debts collection act of California, and constitutes a reprimand towards the company involved in this form of consumer abuse. I received a response from Ditech LLC stating that they would take this unspecified debt off my credit report in writing, but they have lied again. The debt is still on my credit report, and they have attached unconscionable interest on this loan as well, knocking down my credit score. Ditech LLC has misrepresented themselves in stating that they were Green Tree, but now they are stating that they are not Green Tree. This can no longer continue. Deceptive business practices can never be tolerated!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. 

RE : Consumer ID : 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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from Chase Bank from a Chase Bank account that was closed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted Chase and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by Chase on that date that they would close the XXXX XXXX card as a possible fraud issue. On XXXX XXXX, XXXX Chase Cardmember Service sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XXXX XXXX, XXXX my credit score dropped from XXXX to XXXX, a XXXX point drop, per XXXX XXXX web site. On XXXX XXXX and XXXX, XXXX XXXX customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XXXX XXXX, XXXX Chase Cardmember Services advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''

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 CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX-XXXX-XXXX Re : CAPITAL ONE BANK USA NA # XXXX XXXX To Whom It May Concern : I would like to dispute the validity of the above account Capital one bank usa XXXX with a pass due balance of XXXX I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Enclosed with this correspondence is a copy of my drivers license Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with WHITNEY BANK - NEW ORLEANS MAIN BRANCH (TX).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Dear Hancock & Whitney Bank Officers & Directors : As I received a promotion by email for opening business checking account ( plz see attached files ) earlier this year, I then opened a business account and met the requirements for the bonus. According to the T & Cs for a bonus of the business chkg account, the offer clearly stated 1 bonus is qualified per business per calendar year whereby I have own separate business from anyone else in the household. However, my numerous inquiries to your bank reps for the bonus was continually declined because I was incorrectly told that, either purposely or conveniently, a bonus is only given one per household. Although I pointed out more than once that " one bonus per business '' is clearly stated in the T & Cs for the biz account, certainly not " per household '', my much effort & time spent continually yielded fruitless. Therefore, I hope that my communication to the management team on here at this time will take corrective action and make it right. Thank you and look forward to prompt reply. <P/>Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with United Consumers Inc (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am writing to dispute a bill that I received from United Consumers Inc. on behalf of XXXX in the amount of {$990.00}. After I terminated services with XXXX, I never received a final bill ; they simply sent this account straight to collections! There is no way that I 'm going to pay for services that were not provided to my children as I had to pull both of them out less than a month into the XX/XX/XXXX-XX/XX/XXXX school year due to negligence on behalf of the staff at XXXX. Their father and I had to pay more than {$400.00} to get them enrolled at another center on very short notice. My XXXX XXXX XXXX was being bullied by an older boy at XXXX and even after complaints from my mother and myself, no one took action. After speaking with the regional mgr. at Corporate a day or two after the incident was initially reported by my child, I informed her that since the director of the XXXX XXXX did a poor investigation of the situation, my children would not be returning as I did n't feel like they were being protected there. I also explained to her that this has caused me to miss a day of work as I had to scramble to make new child care arrangements for my children. The supply fees are for the entire school year, my children were there barely 3 weeks. I will fight this balance tooth and nail because there is no way I will be paying almost {$1000.00} for less than 3 weeks of childcare that turned out to be a terrible experience for myself and my child.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I recall I had no lates on this account and now I am seeing 2 thirty day lates.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: Well onXX/XX/XXXX to bank of America customer service to talk about putting a stop payment on a future transaction. My wife was told that the stop payment fee would not be taken out of our account unless the company would try to present the transaction. As it was not an agreed amount by the company.my wife agreed to have the stop payment put in place with being told it would not be taken out of our account unless it was presented as our account only had XXXX dollars in it also was not informed that the stop payment could not be stopped and then the bank takes out the {$30.00} non stop payment putting us into overdraft. We called customer service on XX/XX/XXXX at around XXXX XXXX  to be told it could not be reversed and that since my wife agreed to the stop payment even though was told that it not be taken out right away was mislead by the bank and then the supervisor gets on the line saying I need to talk professional to her as she was not listening to me jerking me around. And then refuses to talk to me saying I am not being professional then hangs up on me talk about not being professional and do not appreciate being mislead and hung up on been a customer since XX/XX/XXXXincluding time I was in Missouri to be treated this way and totally being mislead and then saying if its not in the positive by midnight another XXXX fee be added very unacetable and not right misleading us and us agreeing to the terms presented to us then to have them changed on us talk about not being professional then saying another XXXX dollars be added if not in positive before midnight. Talk about very poor customer service and do not like being mislead and lied to.

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 07/27/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I sent Nationstar mortgage a QWR on XXXX XXXX, 2016 Reference # XXXX And they said they would answer back by XXXX XXXX, 2016, how ever they have ignored my request. Please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In XXXX of 2016 I disputed XXXX debts with ERC. In XXXX 2016 I received 3 letters back stating that they were ceasing collection and requesting that the account be deleted from any consumer reporting agency files. Well it 's now XXXX 2016 and XXXX has refused to comply with this request and even reinvestigated my claim. Their reinvestigation resulted in ERC " verifying '' the accounts, but I have letters stating they were requesting my accounts be deleted. I have not heard anything about the XXXX collection account XXXX which the original creditor was XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-04-2016 about Debt collection (Credit card) with The Bureaus, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I have several complaints, I sent a debt Verification Request and a written cease of communication notice ( limited to mail only ) to The Bureaus Inc. on XXXX XXXX, 2016. As of today they have not responded to my request in writing however, they hired a second collection agency called XXXX XXXX , XXXX. When I was contacted by XXXX XXXX XXXX on XXXX XXXX, 2016 they claimed to represent XXXX XXXX and were trying to collect a debt on their behalf. My husband and I informed them I was n't aware XXXX XXXX XXXX on our credit report and was transfered to a supervisor. The supervisor then informed us that XXXX XXXX XXXX XXXX. is trying collect for XXXX XXXX. We informed him that the only XXXX XXXX collection that we aware of is the one owned by The Bureaus Inc. and informed them that we sent them a request for Validation and written cease of telephone communications. We asked if The Bureaus Inc. sold the debt to XXXX XXXX and he informed me that they work on " behalf '' of The Bureaus Inc. and that they are their clients. We then asked why they were stating they were working on behalf of the Original Creditor XXXX XXXX because both he and the original caller stated they were calling on behalf of XXXX XXXX. The Bureaus is using another collection agency to collect a debt on their behalf, even though this agency is claiming to work for the XXXX XXXX. The Bureaus Inc. was given a request for Validation and a written cease of communication and are using another agency to communicate illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (Credit card) with Mid-Atlantic Consumer Services (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Contacted by midatlantic conumser credit about a debt that is beyond the statue of limitations. Provided to me when requested no statement or proof that i owed the debt. I willingly gave them a settlement payment however when i tried to contact them to change the date of funds the number is disconnected and the person that gave me their personal number does not return any calls. I contacted my bank and stopped the payment. I believe i am being scammed by this company and have seen over the web that other people have had this experience with them as well. I would like to report them and have an investigation opened. The kept calling all my family members about my debt and all different phone numbers were used. and any of those numbers were not in service after i tried to call them back. Please look into this as they are trying to extort money in very bad ways. Phone number used that is not in service is the following XXXX Mid-Atlantic Consumer Services '.

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

Complaint: Company : LoanCare Primary problem : the mortgage company failed to timely pay my property taxes ; I still do no know whether they have been paid ; the company has been unresponsive to my email and XXXX phone calls regarding the issue. 
Secondary problem : the company has incorrectly calculated my escrow amount ( by over {$300.00} per month ) ; again, the company has been unresponsive to my multiple inquiries on the issue ; based on a conversation I had with XXXX company representative, it appears the issue is a result of the company 's failure to calculate it based off the current tax assessment, and instead, the company just " guessed '' what the amount should be ; I need this issue timely addressed, as {$300.00} extra a month ( which is not actually necessary ) is not financially feasible for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my Equifax credit-report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, XXXX XXXX XXXX, my mother, who was the original borrower on the loan, was diagnosed with XXXX that 's considerably worse. As a result, XXXX XXXX, my father, was placed as borrower on the loan. While my mother 's XXXX worsened, my father unexpectedly passed away. I, XXXX XXXX, have legal sole guardianship of XXXX and moved in XXXX for her XXXX. XXXX XXXX, my fianc ' lives with us and provides our financial support. I am asking for consideration of a repayment plan to keep my mother in the only place she has called home for the past 30 years. 
Thank you for your understanding and consideration. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation