milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint: When my 3 years lease with Nissan Leaf was ending, I contact Nissan Motor Acceptance corp, for end of lease instructions, they mentioned Extension of lease with first three payments waiver and 2018 leaf offer as and when available. This is fradulent and they reported to credit bureaus for 60 days late payment. This is giving my immense hardship.Every day I am suffering from negative credit report as I am not able to apply for any loan or credit checks. They offer payment waiver and misguided consumer not considering the Agreement. I am seeking help. I contacted multiple times. There is no information or details about 2018 Leaf, it has been almost 5 months in extension of lease. I am seeking help!!

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Other debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have called XXXX XXXX to please take this paid in full account off 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 09/15/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (ME).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have faithfully made my payments on my Best Buy credit card for many years. In XXXX 2017 I started using a new checking account. The payment went through, the new checking account was selected for all future payments. XXXX XXXX, 2017 I logged on and saw my payment was scheduled for the correct account. Now on XXXX XXXX, 2017 I logged in to find my account is past due. Somehow they decided to charge the old checking account they had on file, which I closed in XX/XX/XXXX, and they 're charging me fees and raising my payment citing the late payment as the reason. This is the second time I 've had an issue with my account. The first time they switched my information, ( eg : name, address, credit card number ) with someone else that I 've never heard of and it took two hours to fix it. Now between my fiance and myself we 've spent an hour on the phone and with Citibank online fighting because they want to charge us fees for a late payment when it was not our fault. I 've never been late with my payments on my Best Buy credit card and they argued with us. This practice needs to be fixed, after a quick search online I 'm not the only one that 's had to deal with this through Citibank. We were left talking in circles with reps. At one point the reps said they could fix the fee 's if we paid the {$58.00} that was due. I felt like I was being extorted because my payment would n't be that high if they did n't charge the wrong account. The rep had the audacity to act like they were doing me a favor that way. It 's absolutely ridiculous to treat people like this over and over again and I 'm wondering how many people they 've done this to that do n't know they have recourse.

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 09-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian did not conduct a proper investigation after I submitted document. I submitted a letter from XXXX where they admit they do not have records on my account. Despite this, Experian took the word of XXXX that their tradeline is correct. XXXX can not make this statement knowing they do not possess the proper records. This tradeline can not be validated and must be removed.

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 03-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint concerns Indy Mac Bank. There are several issues to discuss concerning Indy Mac. First, I was told that I had to miss payments in order to be qualified to modify my loan. Secondly we were in the process of applying for a modification under the HAMP plan with Indy Mac, and they dual tracked us. We would receive foreclosure notices while in the midst of HAMP application, review and approval, up until the last moment. Thirdly, after I carefully submitted paperwork for review, Indy Mac would either call and say they never received it, or it had expired, and the entire application would have to begin again. Lastly, this whole process took nearly a year, the whole time being threatened with foreclosure. I wrote the State of Georgia Attorney General 's Office, called several National Hotlines for help and faxed Pres. Obama 's administration a complaint about the way I was being treated. Almost immediately after that, my loan modification was approved. At that time-XXXX, there was not legislation against dual tracking and requiring a homeowner to miss payments. I understand that is now in effect, and I am asking for relief from Indy Mac ( now XXXX Bank ). This process affected my health and XXXX immensely. I had XXXX very young children at the time, and looking back at that one year process and the negligence with which they handled the application process was a very bad memory. I understand now that certain mortgage companies have been and are being held liable for their actions during this time. Thank you.

Company response to consumer: Closed
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold account in XXXX 2016 under a promotion. The promotion was verified via verbal and written communication with Citi representatives multiple times in XXXX and XXXX. I also verified via verbal and written communication with Citi representatives that I met the requirements to receive the promotion in XXXX. I was asked to wait 90 days after meeting the requirements for Citi to honor their end of the agreement. After waiting for 90 days and not receiving my bonus, I contacted Citi. They are now claiming that I do not have a promotion on my account and are refusing to honor the promotion, despite me providing them with the written correspondence from previous months. An " investigation '' was opened by Citi and they continue to deny my promotion despite the evidence. Citi has taken my money and time based on promises that they are no longer honoring. This is unacceptable.

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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
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: A series of parking tickets were accumulated by my wife through XXXX  XXXX University in the fall of XX/XX/XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX  XXXX , should not appear on my credit report. Starting in the spring of XX/XX/XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX, TransUnion, and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX, and the hit to my credit was not removed.

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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.

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 06-03-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Settlement process and costs

Complaint: I want to payoff this loan with the {$530000.00} paid to first XXXX and the {$70000.00} paid to XXXX or the {$140000.00} paid to XXXX and {$150000.00} paid to XXXX mortgage or the {$350000.00} to Indymac or the {$200000.00} to XXXX XXXX or {$70000.00} to XXXX ... ... I want an investigation. 
CFPB has my bank statements and multiple documents why they wo n't release a {$260000.00} I do n't owe and who and why are they paying discharged unsecured debt

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with ALLY FINANCIAL INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I pulled my credit report and there was an account from Ally which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Account opening, closing, or management

Complaint: A loan was created illegally thru NFCU, I was put off for months said would take loan off my accounts as of XX/XX/XXXX, never was, changed amounts added loan after date it was to be removed, added money into my checking account from a closed account in XX/XX/XXXX, more stories and accusations from them, I ca n't handle it anymore. I 'm tired of all the shady business and rude crude unattractive CSRs and from the XXXX XXXX and XXXX I can Handle. These attachments tell the whole story with their own paperwork I have enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I was told by the mortgage company Freedom Mortgage that they can do my loan. Made everything clear from the beginning and have email documentation proving it. They then proceeded to tell me they ca n't do the loan for the same reason they told me they could. I did not hide anything from them.

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 08-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX helping a borrower of Wells Fargo ( WF ) who is behind on her payments. A request for modification assistance has been submitted to WF on their proscribed forms. I have attempted on several occasions to contact the single point of contact ( XXXX ) designated by WF and each time have had to leave a voicemail message without any response. Yesterday, I was told that I needed to schedule a specific time for a call back by the XXXX, which I did ( XXXX my time ) and still no call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My insurance company XXXX XXXX did n't pay the full amount which was a mistake on their part so I was put in collections for remaining balance. Since then XXXX XXXX has paid the full/agreed amount and transunion has taken the collection off but XXXX has not taken collection off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Advantage LNS Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This agency added an account from XXXX XXXX to my credit report. I received no notice from XXXX XXXX or National Credit Audit Corporation that there was any money owed on the account. Under the Fair Debt Collection Practices Act, the agency is required to provide me with notice of the alleged debt and I have 30 days to respond before the debt is assumed to be valid. I provided a forwarding address through the USPS. During a phone conversation on XXXX/XXXX/16, the representative from the collection agency admitted that I did not receive any notices from them. Yet, they reported the debt to the credit bureau. They violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by reporting an alleged debt to the credit bureaus without following the guidelines established by the law. They are required to provide the notice and they knowingly reported invalidated information to the credit bureaus. I want the alleged debt erased from all databases and the credit bureau information updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: it seems like no one is helping me - not even your organization! I 've been disputing this information for almost a year now and not even ONCE have I received information proving these accounts to be mine! I 'm a victim of ID theft - I even have the papers that cleared my name when I had someone using my name and information to open accounts and do other criminal activities The person is the one who opened these XXXX accounts - not me. Just as in XXXX v XXXX, if they had done a handwriting analysis, they would see that I am not the one who did this! Not only that, but with the XXXX account - how are they even verifying this information when both equifax and XXXX both have different balances and open dates?? XXXX removed this account because they knew it to be ID theft and NOT mine! I need for someone to find out why they are violating the FCRA and not removing this from my credit file! What 's wrong with these people????? 
See my letter that I have attached that I am sending with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )

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 03/25/2016 about Mortgage (Reverse mortgage) with Aldridge Pite, LLP (IN).
Issue: Settlement process and costs

Complaint: I am a XXXX NMLS # XXXX - XXXX XXXX - I have been working with XXXX XXXX to secure a reverse mortgage for him. He has a Georgia XXXX XXXX loan that is a year old. There was not enough money to pay it off - so in XXXX I asked them if they would subordinate - they said they would. I proceeded to have XXXX XXXX pay for an appraisal & we are moving to close the loan & now they are saying they will not subordinate. That is not ethical - I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX XXXX in XXXX, 2014. In XXXX, 2014, I received a letter from PEAKS Private Student Loans stating that I was nearing a default status on this loan. I was completely unaware that I had taken out this loan, as this was the first correspondence I had received from this agency. When I began attending XXXX XXXX, I was coerced into taking this loan because if I had n't, I was informed I would have to either pay out of pocket or drop out of school. Additionally, I was not informed about the terms and conditions of this loan, the high interest rate, nor the fact that this loan can not be consolidated into my Federal Loans. 
I called the agency, and they stated that they only contacted lendee 's via e-mail. I began the dispute process with a credit repair agency, and PEAKS refused to accept the dispute. My credit score dropped, which prompted me to dig further into this agency. It was brought to my attention that there are lawsuits being processed with XXXX XXXX. I again contacted PEAKS student loans so we could discuss possible repayment options, and they informed me that I am XXXX days delinquent, and I have not received notice to that effect. This lender will not allow me to consolidate this loan with my Federal Loans. They are also requesting that I pay a monthly payment that is more than 400 % of what my Federal monthly payment is. I am a single mother who is simply trying to make a better life for my daughter, and each paycheck is carefully accounted for. I just want this loan to be more manageable, and I wish this agency would have contacted me prior to my loans reaching default.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On or around the XXXX 2015 my mortgage company Seterus advised me that my payment for XXXX had been returned for insufficient funds. I contacted my credit union and they confirmed the payment was paid and not returned. Seterus advised me to fax a copy of my bank statement to show this, which I did. They then advised it would take 30 days for them to do research. I called each week to check the status and continued to make my monthly payment. Each time I called they also advised me that they were reporting negatively to the credit agencies and would reverse it pending research results. I continued to wait and called them back on/around XX/XX/2015. They then advised they made a mistake and it was n't the XXXX payment that was missing, but was the payment from XXXX. This would be six months later. I shared my disappointment with them. How could a company wait six months to say they are missing a payment? I was then advised I needed to send my XXXX statement, which I did and I still have no resolution to the issue. They now tell me it will be another 30 days which would be 7 months since they claim I missed a payment. Some reps at Seterus say they are reporting negatively to the credit agencies and others have said they are not. The rep I spoke to last advised she could n't even confirm if the XXXX bank statement I faxed had been received. So I guess I have to assume that it has. Each time I call I get different information. The handling of this situation seems too unethical and unfair to me as their customer. I 've made my payment each month. I 've given them the proof they need to show that and they still have not resolved the issue. It is also ridiculous to me that a regulated financial company would not realize they were missing a payment until 5 months later-which in reality I paid. The service I 've received has been horrible and the different information on every call does not lead me to believe they will ever solve this issue and I will have no other recourse, but to hire an attorney and spend money to show I 've already paid them. I do n't feel like I should have to make my payment twice because they have poor book keeping. I need help please.

Company response to consumer: Closed with explanation