milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Debt collection (Credit card) with CITIBANK, N.A. (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX has filed a suit against me on a bill that has been payed in full. The bill was {$650.00}, through Home Depot. On XX/XX/XXXX, I paid {$400.00} drawn from my personal bank account. Then on XX/XX/XXXX I paid the remaining bill of {$250.00}. I have asked several times to be sent a letter indicating that the bill has been payed. XXXX has refused and even filed a law suit against me even after bill had been paid in full. They also have refused to indicate to creditors that the bill has been paid in full, purposely ruining my credit and 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 02/25/2016 about Credit card () with FIRST NATIONAL BANK OF OMAHA (IL).
Issue: Delinquent account

Complaint: This complaint involves more than the original credit card company. 
I had credit life/XXXX insurance on this credit card, as I was XXXX. 
On XXXX XXXX, XXXX, I was XXXX. 
I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. 
Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. 
The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. 
I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (MD).
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: The company is Toyota Financing. They have me reported 30 days late for XXXX & XX/XX/XXXX. On both instances I spoke with a representative and they assured me that I would not be marked late. I have had trouble with them previously when I had my last XXXX when they reported me late in error and then removed the lateness. 

The 2 late payments was removed and then all of a sudden put back on my credit report and I noticed it when I went to apply for a house loan and they stated you have late payments on your credit report. I am very frustrated with this organization and really wish I could turn this car in and not have to deal with them going forward. 

I was also discriminated against on a phone call not to recently ago when contacting Toyota the lady was very rude and talked down to me. 

As a result of these mistakes one of my credit cards went from a credit limit of XXXX to XXXX. I really need to be compensated for this issues and really wish I did not have to deal with them anymore constant mistakes over and over again. I hope this shines a light on them. 

All three credit reporting agencies are reporting the lateness despite my disputes. 

They are also reporting my XXXX XXXX when that car has been sold already. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received a dunning notice from US Collections West. Upon request for validation US Collections West did not provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I retired from my job at the age XXXX where I had an HSA account. I was later contacted by Chase XXXX operations that I had to fill out a form to get my XXXX balance sent to me since I no longer worked at the company. Twice I called and twice I did not get the form, so I have yet to get my balance, approximately {$3000.00}. I am XXXX and on social security. I need these funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: After years loan modification has damage our credit, we have been stressed out, ,and we g ot 4 time transfer our  lender, mortgage servicing from   XXXX   XXXX   to   XXXX     XXXX  and to   XXXX   XXXX   XXXX  , we paid  three months trail mo dification from  XXXX / XXXX / XXXX  through  XXXX   XXXX  with all hope and affordability modification after al l required trail mo dification to   XXXX   XXXX   XXXX   XXXX   {$34000.00} we have not received affordably modification an d sale our loan to new mortgage services,  Shell pint mortgage servicing.we believed th ey are violated the Californi a law because the collected the money after 5 years expired statue limitation, my account due dat e start  XXXX / XXXX / XXXX  than lender collect  the trail money  start  XXXX / XXXX / XXXX  than we never received an affordable modification.   Now our loan trans fer to Shell point servicing Inc. ne w mortgage servicing. we start over and submitted all new modification required by shell point mortgage servicing.   we got Denied by shell point servicing inc by using our pass income not present income.   we need loan modification affordable rate and term.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 09-10-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (ND).
Issue: Charged fees or interest you didn't expect

Complaint: InXX/XX/XXXXwe took out a XXXX loan from than XXXX, we were at the time strapped for money, having XXXX kids in college we needed some extra cash. I took the loan out not thinking about the interest rate for which we were charged. Ten years later I was still paying on the loan, I finally achieved my goal and paid the loan off 13 years later, only to discover I borrowed XXXX but paid back XXXX dollars ... I was paying 35 % interest for this loan..I know I should of known better but like I said we needed the cash, I am writing to you only to see if there are others you can help in this situation, I have paid my loan off but if I had known of the interest or your organization I would of gotten my loan reduced and not had to pay double what I borrowed. The company now is call OneMain financial. There is another situation we got ourselves into regarding Student Loan debt with our middle and youngest daughters. The middle daughter took out loans from XXXX XXXX, and they ended up charging her double the interest also, now we are having to pay her debt with her help of course but it came to over 140,000.00 dollars. I refinanced the XXXX XXXX loan with the XXXX XXXX XXXX XXXX in XXXX at a much lower interest rate but I am still paying on that high loan. I am XXXX and my husband is XXXX. He works two jobs and I work full time at a Utilites company making an ok wage. We have some retirement, not much but with these student loans we will never be able to retire. My youngest daughter has her loan with XXXX XXXX XXXX XXXX also, and with a much lower interest rate we are helping her out also. I know there is not much you can do to help us but I thought I would just share my story. Seen about agency on XXXX XXXX this morning. thank you for reading this and listening. 
XXXX XXXX XXXX North Dakota.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan was with XXXX who sold out to XXXX XXXX XXXX who sold my loan to GreenTree Mortgage AFTER I went through the process of a mortgage reduction program. I had to file a complaint to get my reduction program loan closed because they were holding my entire financial world in limbo for over a year, hurting my credit, when a loan should be closed within 30 days. It was ridiculous but it helped eventually because we get {$1000.00} cut from our principle ANNUALLY if we pay on time and I do BUT now that it 's been transferred to GreenTree, they are intentionally trying to make us late on payment by not sending us our invoice in time. I have been paying ahead of the invoice because I never receive it in time to prevent late payment which is a HUGE XXXX BUSINESS TACTIC. Even though I sent my payment ahead of invoice receipt last month, the payment was n't posted as received until seven days after it was due on the first which is a lie. They are trying to cheat me out of the program 's {$1000.00} annual principle reduction. This whole program is XXXX trickery and I want the fined to the hilt for what they are doing to us. There are XXXX of us on these loans and I 'm CERTAIN that I am not the only one suffering this. Make them give us what they promised because we are never late on our payment. They 're MAKING us late on PURPOSE by holding invoices and payment on receipt in order to prevent having to keep their promise of annual principle reduction of {$1000.00} for on-time payments. Regardless, I want my invoice sent out ON THE DAY they receive a payment to prevent it ever been later than the payment due date again. This is insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is an account that is reporting on my credit report. The account is XXXX XXXX. I have disputed this account several times because this account is not mine. I have called XXXX XXXX and requested in writing a copy of my original account and did not receive it. I spoke with XXXX Account Manager, XXXX XXXX and he admitted on a recorded call ( the call took place between XXXX on XXXX XXXX, XX/XX/2015 ) that they did not have any paperwork regarding my original account and they could not provide it to me. 
If I was able to find out this information by a phone call, the credit bureaus should have been able to retrieve this information and take the appropriate steps to remove this account ( which shows a duplicate ) from my credit report. They did not and did not thoroughly investigate, when they held themselves that they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a property and wanted to payoff the Judgment Carrington has on the property. They refuse to provide a Judgment Payoff. They will foreclosure on my property if we can not payoff the judgment!

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Southwest calling me insisting that I owe an invalid debt that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: I received my county tax bill and faxed it twice and emailed it twice to the company because they never got the ones i sent. Finally they " received '' it XXXX they say even though i sent it before. It shows that i am being overtaxed a substantial amount. The first two reps i spoke with said they would request an escrow analysis and a tax analysis and not to worry i would get the refund and a lower payment. They currently have XXXX in escrow after they paid my county taxes that i have requested be sent to me. I waited two weeks and did not hear anything. I called back and was told it was never requested and they were so sorry etc. I requested a manager at that point. Her name was XXXX. She seemed knowledgeable enough and like she wanted to help. She said she escalated the issue and it would take 7 days to complete at the most but should take 3 because she escalated. She even gave me her direct line. Well i waited 3 days and called XXXX  and left several voicemails to which she never replied or called back nothing. She never answered her phone either. So at that point the next rep i spoke did not have a clue as to what i was asking or talking about so i requested a new manager. I received a manager by the name of XXXX XXXX who SWORE to stick with me and get this fixed and that I would n't have to make my XXXX payment until this was resolved and assured me he put all late fees on hold and i would hear from him by XXXX. Well it is XXXX and i have called every day since XXXX and hes always busy. In fact whenever I ask for any manager they are all to busy to talk to me. Every single rep i speak to gives me a different answer. This last one told me on no i wo n't receive a refund of my escrow until XXXX because in her words these things take time and that I would in fact have to keep making my overstated payment until them. I of course let her know that is not what the managers are telling me and requested to speak to another one. She REFUSED to give me a manager instead told me again they are all just so busy and she can assure me her answer is accurate so at that point i hung up. This company is a joke. I had no choice in who they sold my mortgage too and i ca n't get any assistance. I am being over taxed. I want my overage in escrow refunded to me. I have XXXX kids and could use that money. No one there seems to care or know what the heck is going on. I get different answers every single time i call. To date no one has called me back.

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 03/21/2017 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Fraud or scam

Complaint: Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.

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 11/22/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently changed my auto-pay from XXXX checking account to another to my student loan account via Cornerstone. They never notified me that by doing that they would skip my current payment and continue next month. The ONLY reason I knew it was n't going to apply I logged into my account to make sure it my account changed and I noticed my account was skipping this months payment. The letter they sent me XXXX ONLY never mentioned skipping my payment for the current month. I feel like this is a way to get more interest from me and very unfair and seems illegal.

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 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In the attempt to collect a debt I was told by XXXX that I a totally different amount than what is reported to the credit bureau in the amount of {$980.00} when the total amount reported is {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i believe this account is not even belong to me

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 01-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have tried several times to get Transunion to remove the public record stating that I had XXXX delinquent state tax liens ( for which I do not have ), with no success. I was told that " the state has verified the information. '' However, when I contacted the XXXX of XXXX Department of Revenue, they stated that they do n't verify such information with the credit bureaus. To compound the issue, the liens that are be reported have a report date of XX/XX/XXXX, XX/XX/XXXX respectively. On my Transunion credit report it states that " liens may remain for XXXX years '', but further on my report it states that these XXXX particular liens " will not be removed until XX/XX/XXXX. '' I was directed by the XXXX Department XXXX XXXX to refer the credit bureau to the state website to verify the liens but the bureaus either refused to do so or stated that the information had been verified. Communicating with Transunion is difficult at best, but trying to get all parties involved on the same page is impossible. This seems like a simple fix but the credit bureau has made it complicated. As one can imagine this has caused considerable issues for me financially.

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 04/21/2017 about Debt collection (I do not know) with Aargon Agency, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.

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 04-08-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Closing/Cancelling account

Complaint: I closed my account with Home Depot and made arrangements with home depot to have my monthly payments automatically deducted from my personal bank account. I recently applied for a mortgage and discovered that Home Depot was reporting to the credit bureaus that I have been late every month since XXXX XXXX 8 months straight ). I contacted Home Depot to explain the situation and all they could do was apologize over and over again. I was told that someone should have told me that the past due amount would still be delinquent until the monthly payments pay it off. I informed them that I was not made aware of that at the time of entering the payment arrangement. I asked them to write a letter so that I could send to the Credit Bureau but once again they only offered a verbal apology and said that they could not type a letter. I need this incorrect reporting removed from my credit report so that I can qualify for my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Google Compare Credit Cards Inc. (FL).
Issue: Other transaction problem

Complaint: google promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the bush instead of just honoring the promises already made also breach of contract and theft

Company response to consumer: Closed with explanation