milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a " {$0.00} '' balance.

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 03/26/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: CitiBank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX Violation- noty mine accounts are inaccurate PO report XXXX No knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit reporting () with SYNCHRONY FINANCIAL (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Telephones Synchrony Bank to Payoff my Account with a Representative XX/XX/2017. 
They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. 
I learned of this being Posted to All XXXX Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on XX/XX/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why I was not notified by phone or Email when I had made all payments to the account the same way. XXXX in the /customer Service Dept. apologized and Advised me it would be Corrected & sent out t All XXXX Credit Bureaus. 
Upon receiving my letter from Synchrony I went in to Check but only to Find that My Fico Score went from XXXX or XXXX and Dropped to XXXX?? WHY??? It appears that I try to go Forward Only to Find that I Go Backwards..!! Any Explanation as to WHY MY FICO SCORE DROPPED XXXX Points?? I would be Very Appreciative..!!

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 12-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Closing/Cancelling account

Complaint: I had a credit card I received at Capital One 's solicitation and had it for at least 2 years, with no late payments. In those 2 years they gave me automatic credit increases that I did not request. In XX/XX/2016, I received a vague letter from them stating they were closing my account. I inquired of their customer service department and their executive office numnerous times for a clear reason to no avail ; they closed the account. Several weeks later, I received another solicitation to apply for the same Platinum card and I applied. In XX/XX/2016, I was asked to send a copy of my social security card, a copy of a bill and a personal identification and I complied. A representative called me several days later to explain that I was approved for another Platinum card with a credit limit of {$2000.00}. After this approval, I received two additional solicitations to apply for the Platinum card yet again. On XX/XX/2016, I received a letter from XXXX. of Capital One ( letter dated XX/XX/2016 ) stating that the new Capital One card was cancelled for the same reason, I would like like for Capital One to keep one of the cards open since I constantly receive solicitations and approvals from them. If they can continue to send solicitations, and add to my credit inquiries, they should at least honor the agreement, especially since they were the ones who solicited my business on multiple occasions. I do not want to hear about internal controls not in place or excuses. I think it is time Capital One honored me as a consumer. I have all copies of letters and solicitations from Capital One if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Complaint XXXX of XXXX Shellpoint Mortgage. 
On this loan I did get behind but on XX/XX/2016 I made a payment of {$2500.00}. At that time I believe that paid it current. I was told there could be some additional foreclosure costs due. However a couple of months later I received no correspondence. I called and discovered Shellpoint began foreclosing on the property. Apparently they put the payment in a suspended\partialpayment account where it has remained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: a charge was coming through off my debit card every month. I called in XX/XX/XXXX and set up a dispute. the chase representative coded it wrong, and " once they dispute a charge, they ca n't dispute it again '', even if Chase made the error. 
they credited my checking account the money, sent me a letter stating they would be taking it back, never gave me a date. took the XXXX back, caused me insufficient funds, told me I would n't be charged an insufficient fund fee, I was charged a fee. 
they told me when they disputed more claims, against the same merchant, that Chase only has a XXXX day liability. When I told them that in XX/XX/XXXX when I first filed a dispute, that was within the XXXX days. they agreed, but since the agent at chase coded it wrong there is nothing they can do. 
Was told on XX/XX/2016 by the XXXX at Chase claims to contact the consumer financial bureau to file a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I previously filed a complaint against Bank Of America ( BOA ) concerning the closing of my wife 's checking account. The complaint number is  XXXX . I had hoped to add the following information to show how they respond to customers.     This morning I received a phone call from BOA regarding the complaint listed above. The caller stated that the call could be recorded for " quality control ''. When I informed the caller that I intended to also record the call I was informed that the call could not continue under those circumstances. It seems to me that if I must agree to them recording the conversation, I should be given the same courtesy.     Because of previous misstatements I believe that having a record of all communications initiated by BOA is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX/XXXX/XXXX a hard inquiry was pulled on my credit report. I did not give permission.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Other mortgage) with PRIMARY RESIDENTIAL MORTGAGE (PA).
Issue: Settlement process and costs

Complaint: I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with 1st Franklin Financial Corporation (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: In 2011 my identity was stolen and my chase account was put in the negative XXXX XXXX after that they restricted it then closed it. I recently went to a chase bank in XXXX and tried to open an account and he told me i coudnt open one and he gave me a numer to call. I called and spoke to woman and she told me that i should have no problem at all with opening the account because when chase no longer wants to have you as a customer they will put it in your file and she also if i had any problem call them. I went back into the same branch spoke to the same associate and he told me i could open the account but it would go through a second review and they might close within two days and it did.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Current mortgage company has increased my mortgage payment for an escrow amount I did not authorize, request, nor have any knowledge of before hand. My mortgage loan closed without an escrow account. I paid my insurance policy in full at closing. Any communication between my then insurance agent and mortgage company was not communicated to me. Current mortgage company acknowledges this account is not escrowed from inception date. The was and active and paid policy in forced at time of closing.

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 03/22/2017 about Credit reporting () with ERC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ERC ( Enhanced Recovery Corp ) Have placed XXXX Accounts On My credit Report in the amounts if {$230.00}, {>= $1,000,000} XXXX who are which with the same company ( XXXX ) and yet have different dates and account which is not valid also there is another XXXX from ( XXXX ) I need tis information remove from my credit report for this is not my debt and they should maintain complete and accurate information on consumer reports I demand these accounts to be remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company is in direct violation of 15 U.S.C 1693 ( f ) and FDIC 6000- Consumer Protection ; TITLE VI - ELECTRONIC TRANSFERS 908 Error Resolution and have refused to pay the Treble Damages demanded for failure to conduct a good faith investigation, provide in writing and results of any investigation and determination within ten business days and still have failed to do so, they have failed to mail any findings or reproduce any documents they used to determine their findings, they have failed to provided the verifed, certified and complete transaction history I requested within ten days. These are all direct volations of this consumer protection title vi - electronic transfer 908 error resolution. I received a bill from this company and went online and paid them three times each amount was for {$2200.00} they stated that no account was found. I faxed them a letter of dispute and requested an audit be conducted and asked them to provide me all documents included the verified, certified and complete transaction history of my account within 10 days ( based off the EFT Act ) or Treble Damages of 3 times the amount of each payment submitted would apply. The company failed to provide any documentation requested nor did they complete a good faith investigation within the 10 day period and provide the documentation from that. By failing to do so this is a violation of the act stated above and I am entitled to the damages requested that come to the amount of {$20000.00}. They also failed to produce their W-9 form as requested on 10 occassions. they also knowingly and willfully concluded that my account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation as they had produced no such documentation to support that finding and this was all done AFTER the 10 days in which they had and also not until I told them I would be filing complaints with the FTC, FDIC, and CFPB. I sent a demand letter for the damages in which they ignored.

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 04/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Last year I refinanced a loan for a house that I own with Nationstar Mortgage to bring down my payment, and to rid the PMI insurance. It did bring down my payment for about a year, but as the second year started on the payments Nationstar brought my payment back up to the amount I was paying, so I reviewed my payment and noticed they had been charging me PMI insurance under another name Borr Paid, and that they charged property tax XXXX against my escrow. I called Nationstar about this, they said they would review my escrow statement I informed them that the Ins payment was not on my truth in lending statement nor my escrow statement, as for tax payment they said they did n't send out a second tax payment, but according my statement they did. On the PMI they want me to do a PMI cancellation and charge me an appraisal. My complaint is they need to cancel my PMI and refund me the money they have been taking out for the last year since it was n't in my contract to begin with, and to refund the second tax payment, since they made these mistakes on my escrow it was caused my Payment to increase by a {$150.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Delinquent account

Complaint: Khols has been calling my mobile phone using automated voice calls and using automatic dialing systems. They have been generating new numbers to call me with each time they call. I 've blocked countless numbers and they keep calling. They are calling me at all hours of the day ( including when I 'm in class ).

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (OK).
Issue: Struggling to pay mortgage

Complaint: They just responded that they do not own this mortgage. XXXX XXXX XXXX They are in New Jersey. They are denying that they have my loan. Are you kidding me? So who am I paying. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX Since they are lying I want to file charges against them. This is the most dishonest company I have ever seen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and equifax deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: DUE PORTFOLIO SERVICING due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XX/XX/XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX XXXX XXXX or any other institution, previous of the purported one recorded on XX/XX/XXXX by crooked and disbarred lawyer XXXX XXXX and XXXX XXXX XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 10/26/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Application, originator, mortgage broker

Complaint: My home insurance by agreement in my filed mortgage is to be held in escrow. Prior to leaving in XX/XX/XXXX for vacation, I sent my invoice from my insurance company to Chase. This clearly stated the payee as being XXXX XXXX XXXX XXXX XXXX. When I returned, I followed up and after being on the phone for about 20+/- minutes, I was asked to stay on the phone to help solve the problem with the insurance company and I told them that they could call me back when they had them on the phone. I had an appointment. No call back. After my appointment started the process over. The representative was rude and just wanted to not say they were wrong. 30 + minutes on the phone they sent the check to the wrong company.. my fault was the implication. They could n't find time to put a next day mailing to solve the problem. I drove to the insurance company and made the payment. Long story short, they had no compassion with a customer and this representative actually started speaking loudly over my questions keeping me from getting answers that I needed. They had the wrong company and paid to the wrong company and as much as said I was the one who made the mistake. The only insurance company I have had in the 13 month ownership of this property.. so upsetting.

Company response to consumer: Closed with explanation