milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Without notice, explanation, or legal authority, XXXX XXXX has revoked my ability to suspend direct debit payments. Despite the fact that I pay by bill in full each month before the direct debit withdraw date, XXXX intends to withdraw an additional full payment from my savings account. In other words, I pay ~ {$480.00} to fulfill my monthly obligation before the XX/XX/XXXX of each month. On the XX/XX/XXXX, XXXX intends to withdraw another {$480.00} payment to my great detriment. I should have the ability to suspend this withdraw. I possessed that ability for the previous six months. Upon information and belief, XXXX revoked the suspension ability in retaliation for my whistleblowing activities.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am a service XXXX veteran, working diligently to sell my underwater, undervalued property in XXXX, Georgia XX/XX/XXXX. Have been approved for short-sale twice! 

What happened? 
XX/XX/XXXX Chase mortgage asked for an unfair price of $ XXXX for our property valued at $ XXXX. Our real estate agent forwarded recent area sales " comps '' to support the fair market price of the recent offer of $ XXXX by the fully qualified and approved buyer. Chase intentionally frustrated the buyer by dragging out weeks to respond to inquiries by the XXXX XXXX XXXX agent on file to sell our listing. The listing agent has not received a response from Chase concerning the rationale for asking for such a ridiculous price for the undervalued property. The qualified buyer walked away from the deal after receiving the counter-offer asking price from Chase. 

Harrassment - Chase continues to send letters after each failed offer to board/secure the property to protect their investment and mine. The property has been actively listed for the past 30+ months. The property has been regularly maintained. The letters received to secure the property demonstrate intent to frustrate the sale of the property, cause distress, anxiety. 

This is my SECOND compliant. Chase does not demonstrate its " mission to support service members ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: I am writing to dispute the following information in my file. The essence of my complaint is that my Mortgage Servicing Agent, Nationstar Mortgage,  XXXX , TX  ( Nationstar ) acco unt #  XXXX  misapplied 2 months worth of regular mortgage payments  in 2013, has sin ce returned the funds to me, but will not remove the erroneously reported missed/late payments from my credit history or recognize regular installment catch up payments, instead insisting I pay penalties and interest which have accrued on my loan in arrears. Details are attached :

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax leaked consumer information. I am on a list of potential victims to their poor security practices. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted the collection agency regarding my XXXX negative items on Equifax credit report. When I contacted the collection agency XXXX XXXX XXXX and talked to XXXX desk id # XXXX informed me that the items where send to Equifax to be removed. I contacted on Equifax on XXXX XXXX, 2016 at XXXX. The Representative said I ca n't help you and hung up on me. I was instructed from the collection to have Equifax call on a XXXX way call that XXXX XXXX XXXX Equfiax XXXX XXXX supervisor refuses to help. I 'm paying a monthly fee and refuses get the service I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: While we appreciate fixing the issues with the XXXX and taking off the XXXX late payment reference that has not completely fixed the issue. We sent back notarized copies of the deed in lieu paperwork prior to the XXXX XXXX deadline and the notarized copy shows that it was in effect XXXX XXXX, 2016. Having that paperwork in prior to XXXX XXXX there is no way that we can held responsible for there being a late payment of XXXX and would request that this late payment be removed as well. My husband pulled his credit report today and noticed that the XXXX late payment has been removed but now Seterus , Inc. has reported that we were late in XXXX all of a sudden when that had not been the case prior. We would like Seterus , Inc. to stop changing other payment information without notifying us of this case since it does not appear in the XXXX documentation which is the same as in this XXXX file attached. We have attached a copy of the deed in lieu paperwork that has been referenced above.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Valentine and Kebartas, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Mark A. Kirkorsky, PC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was sued for a debt owed {$4400.00} and the lawyers added interest and their fees and now I owe {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax once again is doing nothing but saying the have verified a debt it is impossible for them to do so XXXX is not being report but data mined the debt is in the amount of XXXX and they would not be able to verify it with the court I not able to please give me the name and the number of the person who does I will need to talk to the before court Equifax will not stop the practice of sharing my information with whom ever when ever

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have sent XXXX different letters requesting validation, proof that they sent me a Dunning Letter ( which I did n't receive ) and a thorough breakdown of their protocols to remain HIPAA compliant. I 've received nothing. Any money I could have owed should have been paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with PLAZA HOME MORTGAGE, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I made a payment online to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and email that my payment had been made. I few days later I noticed that the funds had not been deducted from my bank account so on XXXX/XXXX/16 I called Plaza Home Mortgage and was told there had been computer problems on XXXX/XXXX/16 and XXXX/XXXX/16.. I was told by the customer service rep that they would take care of the issue, confirm the payment, date it to XXXX/XXXX/16 and there would be no late fee. I watch my account for the next few days and saw it still had not been deducted so I call Plaza Home Mortgage again on XXXX/XXXX/16. Again I was told there were computer issues on XXXX/XXXX/16 and XXXX/XXXX/16 so they will take care of it and make sure the payment is made in the next few days. Again I am assured there will be no late fees and that it will be dated on XXXX/XXXX/16. On XXXX/XXXX/16 I received a credit alert that I am delinquent on my Plaza Home Mortgage account. I called Plaza on XXXX/XXXX/16 and after speaking to XXXX different customer service reps I was told that I needed to write a letter to dispute the delinquency. They then said that the payment I made on XXXX/XXXX/16 had been cancelled which is why the funds were never deducted. I tried to logically argue with the customer service rep that why would I make a payment only to cancel it the next day and then call three times wondering why the payment had not posted. I have a confirmation number from the payment on XXXX/XXXX/16. I have a confirmation email. I have no email confirming that I cancelled the payment. XXXX different customer service reps confirmed there were computer problems on XXXX/XXXX/16 and XXXX/XXXX/16 and that payments were affected. I finally asked the customer service rep to please just take make payment over the phone and she graciously said she would n't charge me an {$11.00} fee for processing my payment over the phone. At this time I am still waiting for a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (VA).
Issue: Trouble during payment process

Complaint: I have been making extra payments to the principle on my mortgage loan for almost 2 years and as far as I can tell my mortgage servicer ( Seterus Inc. ) had been applying the extra payment to principle ( as I instructed my Mortgage Loan servicer from the start of these extra principle payments ) until sometime at XXXX XXXX of 2017. Starting in XX/XX/XXXX, XX/XX/XXXX and XXXX 2017 I increased the extra payment to principle too {$1100.00} and the mortgage servicer ( Seterus Inc. ) has been misapplying these payments to additional interest instead of principle. I have instructed the servicer every month that they are to apply anything above the normal payment totally to principle, even going so far last month spending hours on the phone talking to an upper customer service manager and she assured me that these past payments and any future payments would be correctly applied to principle. She also instructed me to view a file online for my statement and payment history that would show the corrected amounts applied to principle and any adjustments would be made to my payment and balance history. In viewing the history file for my mortgage I can clearly see that what was promised has not happened. The extra amount that I am paying is a substantial amount {$1100.00} and will add up quickly if this is not corrected quickly. Please help as the company will not give me anyone above this manager that I talked to last month to correct this problem Thanks

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 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please be advised I have requested validation { not verification } of a medical debt reported to you by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received a response that clearly violates my rights according to HIPPA on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX, or the original creditor XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to the debt collection agency, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Additionally, this debt was paid by FL XXXX. I have attached my benefits approval letter and XXXX ID card to prove my case was opened in FL. 

I reached out to Equifax, XXXX and XXXX to let them know this debt is in violation of HIPPA but Equifax Or XXXX didnt delete it form my report, while XXXX did delete it..

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is reporting incorrect data that has been disputed and not properly verified. They are also reporting an address that does not belong to me and I was told that it would be removed but it has not been removed nor has it been verified. 

The account is listed as XXXX XXXX  XXXX account number XXXX. After sending letters to the XXXX XXXX XXXX and XXXX XXXX  and XXXX have deleted this account from my record. The XXXX XXXX  XXXX nor Equifax have provided me me documents such as business records, an account audit, application or the original instrument of indebtedness. 

I have sent 3 certified letters and responded to a letter sent to me and called on XX/XX/2018.  It was confirmed that my letter was received on XX/XX/2018. I have not heard back from them and it has been 30 days so this needs to be removed from my credit report. I did receive a letter from XXXX that was addressed to someone else. I have sent that letter back to XXXX. I have taken a picture and will attach it to this message.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion had a computer breach in their system that violated the rights of consumers under Section 6.11. Through this computer glitch/breach, my credit inquiries were deleted and reinserted. This glitch affected my credit score by removing inquiries which increased my credit score. Soon after, all of the inquires were reinserted to my credit report without prior notification ( written ) in violation of the Fair Reporting Credit Act ( Section 6.11 ) which caused my credit score to drop.I spoke with a Transunion  representative on XX/XX/XXXX to discuss this matter and my knowledge of the reinseration of inquiries on my credit report without notification. She asked for the dates of the inquires and acknowledged that the glitch did occur but that only XXXX XXXX consumers were affected. I was told that my inquires did not fall in the 2 year reporting limitation. They refused to fix their error on my credit report and advised that I get proof from creditors to delete this information. I am requesting that the reinserted inquiries be permanently removed from my credit report. I request that the following inquiries be removed immediately 1.XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 3. XXXX XXXX MO on XX/XX/XXXX, XX/XX/XXXX 4. XXXX on XX/XX/XXXX, XX/XX/XXXX 5.XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Has contacted my husband repeatedly after my request for them not to/ and my husbands request to them not to contact him Portfolio Recovery offered a debt settlement and I accepted via mail and sent two checks to them post dated for XX/XX/XXXX. Portfolio Recovery attempted to cash one check on XX/XX/XXXX which resulted in a overdraft fee to my checking account / on Friday of the same week Portfolio Recovery returned my other check and stated then that they do not accept post dated checks. A stipulation not in the original agreement. The second check and both payments for the two accounts were rejected by Portfolio Recovery. They resended the debt settlement offer. They have insisted to have direct access to my checking account upon which I have refused. In turn I asked to set up a payment plan in writing asa formal agreement from them to me so I could settle my debt. They rejected my offer to pay them via an agreement that did not include my permission to them to access my checking account. They would not take any other form of payment other than a direct bank draft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: I had XXXX XXXX Costco card from XXXX until XXXX XXXX XXXX, all these time my payment was on autopay and made all the payments on time without fail. Costco informed me that XXXX XXXX XXXX onwards XXXX will be the official credit card of Costco and XXXX wo n't work after XXXX XXXX XXXX. On XXXX XXXX XXXX my XXXX stopped working and I started using XXXX for Costco purchases. On XXXX XXXX XXXX Citi bank sent me a statement which also includes the purchase I made using XXXX card with an interest due amount of {$34.00}. Since I had XXXX on autopay I was not worried about paying XXXX manually. Also, being used Citi for only 17 days I was not expecting any late payment issues. 

So here my question is why Citi bank charge for the interest? There is no right for citi to charge me any interest.

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 05/19/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: XXXX XXXX of XXXX, Nelnet would n't let me reduce my payments until I received help from XXXX, despite showing them my monthly income and showing them how much my rent and utilities cost. I was making about $ XXXX/month, living in subsidized housing, and Nelnet wanted me to pay roughly {$800.00} a month and their representative failed to see why I could n't afford the payments. A few months later I received an inheritance from an aunt who stipulated that the money be used solely for education expenses, so I started paying off the loan with that. On XXXX XXXX, I made what I thought would be the final payment on my loan, a payment of {$2400.00}, when the total balnce that was listed as due was {$2300.00}. The next day I received an email saying I still owed {$320.00} from the previous balance. This morning, XXXX XXXX, I received an email saying I still owed from the previous month and {$410.00} for the current monthly billing cycle, totaling {$730.00}. Upon logging into my account on the Nelnet website, I found out Nelnet claimed I still owed {$0.00}, which I have once again, scheduled to have paid in full by the end of the week, even though I paid an excess of what they said was the full balance as of XXXX XXXX, XXXX. I am getting tired of their harassing emails.

Company response to consumer: Closed with explanation