milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been dealing with my mortgage company for 7 years. The problem first started when I lost my husband. He was killed XXXX, whilst in the XXXX and the guy/people that originated my loan are in Federal prison for predatory lending. My loan was originally with XXXX and then bought out by XXXX. Who then illegally foreclosed on me and I went to court and got a judgement in my favor. In the meantime I had to close XXXX because my daughter was diagnosed with XXXX and I had to work with her. I still receive my VA benefits and Survivor benefits to afford my mortgage. When the housing market crashed I initialized a modification with XXXX, it took two years of submitting documents. I also was n't allowed to make payments during this time. So my past due kept going up. Also my original loan balance was going up too. Finally they had all my papers together and I was in underwriting and on the final day they sold my loan to Natiionstar. They told me I had to do the whole thing over again, which I did that has been going on for two years. So it started at XXXX and now is XXXX and they having me owing {$300000.00} in fees and paments and XXXX in escrow arrears. They wo n't send me copies of the fees I owe or the original note or XXXX. Statements or Countywide documents or anything I request actually. I am a XXXX widow and have my late husbands daughter who is XXXX. This is the only home she 's known and I got completely messed over with my original loan. I feel like I 'm being walked over and I ca n't get any answers or help.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with Buffaloe & Associates, PLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit card () with Alliance Data Card Services (GA).
Issue: Other fee

Complaint: I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. 
I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
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: CFPB Complaint  XXXX  :  XXXX  indicated the credit cards identified as identity theft in those complaint were removed from my credit report. Current copies of my credit report still show the fraudulent credit cards on my report. Additional complaints and investigation requests do not result in any changes or complete investigations. I request a complete copy of all investigations completed and reasons for not removing the fraudulent accounts from my credit report.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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 am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 06/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: For the last 3 years, I have made my loan payments to Navient. Every month I have notifications that I am late. I am assured every time I make a lump sum payment, on my own or by way of their auto draft- it does n't matter. The payments are not applied equally across my loans. Navient is the telling me the total amount necessary to satisfy these payments but then they do n't apply them correctly. Even now, because I don't/ca n't trust their auto draft payment process, I pay online. It still shows me behind on 3 of my 6 loans. I have had honest representatives tell me their system for many years clearly has not applied my payments correctly. When I escalate the call to a supervisor, I am belittled and treated poorly. Because of this, I have a mark on my credit from one loan. One loan out of six. It makes ZERO sense that if I am making lump sum payments, that I would avoid paying on one loan. They refuse to remove the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: Consumers should be able to freeze their credit for free on XXXX, XXXX  and TransUnion. This is a vital service that should be free and available to everyone who has credit history in the US as these companies can not be trusted to store their data securely and protect their data against security breaches. No American should have to pay in order to help prevent their own identities from being stolen.

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 04-10-2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX XXXX 2XXXX XXXX XXXX 3- XXXX  XXXX XXXX XXXX 4-XXXX XXXX  XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX 9-XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX XXXX XXXX XXXX 12-XXXX XXXX  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 05-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Portfolio Recovery Associates bo ught a debt from   XXXX   XXXX   XXXX    w hich was from Identity Theft which a relative of mine opened without my permission or knowledge. I disputed the account from the original creditor in   XXXX  . Now  Portfolio Recovery Associates  will not stop trying to collect on a debt from Identity Theft. I have provided them with a FTC Identity Theft Report. I have also requested then to send me all paperwork regarding such account but they refuse to send.     I am a victim of Identity Theft, this debt is not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 02/22/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I sent a QWR to JP Chase on XX/XX/2015. Chase acknowledged receipt of QWR on XX/XX/2015. They never sent any documentation to answer the QWR.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Bank Of AmericaMy loan was transferred XXXX 2014 to XXXX incPrior to transfer I received a permanent modificationMy challenges areThe modification payments were not applied to loanThe accounting ledger Bank of America providedWrote off XXXX deferred amount due upon sale or payoff of loanWould you clarify details of sale to or servicing to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: There is no contract or account with collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX/XXXX/XXXX, I applied online to XXXX XXXX for a loan. The loan request was declined due to my short credit history. On XXXX/XXXX/XXXX, I received a call from a lending company called XXXX XXXX through It 's representative XXXX XXXX XXXX with a loan offer of {XXXX Though I did not apply to the company for a loan, I nevertheless accepted. The representative asked for my bank details which he said the company needed to pay the check for the amount into my account. I innocently gave him my bank details over the phone. I did not suspect any foul play. I did not know he was a fraudster. It was my first time of getting involved in loan transaction. He also asked me to withdraw XXXX from the money which the company would pay into my account and pay it into an account the company would provide me. According to him, I needed to do this to boost my short credit history and prove my trust-worthiness which would qualify me for a bigger loan. Shortly afterwards, I received alert from my bank indicating the check had been deposited into my account. The next day, I innocently went to my account in ANOTHER BANK, withdrew XXXX and sent it to the account that was sent to me. After some hours, I decided to access the account the check was paid into and I realized my account had been frozen. Confused and not knowing what was wrong, I called my bank and they informed me that the checks that were paid into my account were fake checks. I immediately made a complaint to the Police. After investigation, the police gave me the case number to send to the bank, asking It to unfreeze my account, but the bank did n't comply. That is how the account has remained frozen up till now and it negatively affected my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit card () with CITIBANK, N.A. (NE).
Issue: Other fee

Complaint: Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: SPS LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX A full short sale package was faxed to SPS on XX/XX/17. Week after week SPSs underwriting dept claims something is missing, even though the short sale was started almost 2 months ago. They are refusing to do a complete review of the file and give a complete list of items missing at the beginning of this transaction. Instead they piece-meal it out and claim something different is missing each week. They ignore the documents we have already sent, even though their front-end dept can see it clear as day. They ask for proprietary items that do not exist online. They make up requests that have nothing to do with this borrowers situation. 

Clearly, SPS doesnt have enough employees, and they are doing anything they can to reduce their workload. SPS has too many files, too few employees, and they are simply not able to service their files appropriately. This is happening on all of our files with SPS recently -- It is also happening on LN XXXX for homeowner XXXX 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 11/13/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I have contacted equifax on several occasions regarding inquiry on my report that I did not recognize I have been getting the run around for months I did not authorized any of these inquiry some are listed mupitle times. Below are the inquiry. 
Business Name Business Type Inquiry ForDate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/ XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX/ XXXXlXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Express sent me to collections. I began paying the collection agency ( XXXX XXXX XXXX in XXXX ) every month and when I did, I received a notification from American Express via e-mail. They now do not send me statements anymore. When I call them to get my balance, they direct me to American Express. When I call American Express, they ca n't help me and tell me to call XXXX XXXX. I have never received any correspondence from XXXX XXXX. When I call the number that American Express gave me for XXXX XXXX, they answer the phone, saying, " American Express '' and say they are not XXXX. I need your help. I want to finish paying this bill and I want to resolve the credit reporting issues for this debt. How can I find out my balance and find out if I am paying the right company?

Company response to consumer: Closed with explanation