milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a third party collector to who I told to stop contacting me repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016, we closed on a new house with a Mortgage from XXXX Bank and we made our first mortgage payment on time for XXXX XXXX, 2016. In late XXXX, I received a call from Freedom Mortgage saying they had purchased the mortgage from XXXX Bank. During this phone call, I asked multiple times where or who do I send my XXXX XXXX payment to and was told multiple times, I would skip my XXXX XXXX payment. I have since found out Freedom Mortgage has a recording of this call. 

On XXXX XXXX, 2016, I received a call from the collections agency of XXXX Bank ( now XXXX Mortgage ) informing me that my XXXX XXXX payment was late. After talking with the multiple people, in collections and customer service, I found there was no record of the mortgage transfer in XXXX 's system. As XXXX Bank just merged into XXXX, I was told later, it 's likely an error during the merger of the data from XXXX system to another. 

On XXXX XXXX, I also made multiple phone calls to Freedom Mortgage, the first XXXX people I spoke with again told me I did not need to make any XXXX XXXX payment, it was only until I spoke with a supervisor that I was told I did. I immediately disputed this and asked for them to pull and review the call. I also found out that a payment has been noted as being made to my mortgage account on XXXX XXXX, 2016 in Freedom Mortgage 's system which I did not make. 

I was very careful to ask, and asked repeatedly of Freedom Mortgage where to send my XXXX XXXX payment and was told repeatedly by multiple customer service representatives that I did not need to make this payment. The initial phone conversation with Freedom Mortgage made it clear to me that the loan had been sold and completely transferred to Freedom Mortgage as well. 



I took considerable effort and time in reviewing this issue with the Freedom Mortgage representatives before skipping a payment and was lead to believe by Freedom Mortgage that XXXX Bank XXXX XXXX no longer had any interest or ownership over my loan in late 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 02/21/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am replying to a credit card debt (#XXXX). I believe the account was already supposed to be closed. I did send a letter request to close it. According to their reply it was closed XX/XX/XXXX. Since then I have continued to receive billing statements  till now, XX/XX/XXXX.  I was charged late fees and interest charges on every statement. I had cancelled my card when I maxed it out at my $XXXX limit.According to their billing statement I now owe XXXX--a difference of over $XXXX. I do not want to pay the $XXXX balance .My limit was $XXXX and I understood that.I am attempting to get help with my debts. I need a written statement of my account that it is closed and my debt amount I am responsible for. Thank you

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 02/18/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.

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 05-07-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!

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. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I would Like to file complain against Transunion and XXXX which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is 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 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion has sent my credit report to an address I have never lived and they made the mistake twice this month. Now one of my accounts have experienced fraud twice this week. This is something that just started happening and Im not sure how it happened but Transunion had no business sending my credit report to an address that I dont live. An occupant of the other address provided me my consumer report if they had not I wouldve known it happened.

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 11/13/2015 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: ex-niece with same name but differint birth dates and age and address getting bad credit score for her and her husband XXXX XXXX and XXXX other XXXX XXXX credit companys need to check birth dates, and social security cards more closely instead of running others credit so they ca n't get housing, car, insurance rate is higher ect. ex nephew went to jail jumped bail bound I get subponea to court when it had nothing to do with me and is on my credit report, credit cards, apt XXXX damage ect on my credit report because of them!!!!!!!!!!! Please check birth date and SSI #!!!!!!!!!!!!!!!! I 'm XXXX Not in my XXXX And not in my XXXX Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit card protection / Debt protection

Complaint: my name is XXXX. I used chase XXXX credit card for around 3 years. last one month, XXXX, my credit card get expired. however, my old credit card still can be charged by authorized merchant. An expired credit card still can be charged money. this is very ridiculous. It happened to me and It happened to chase bank. what is purpose to set up expiration date? it is XXXX of credit card protection or not. 

Furthermore, I did call XXXX and mention this issue to chase credit card. Their service is very rude and unfriendly. In other words, it is your business, not chase credit card business. I think everyone need to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: 1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX/XXXX/XXXX, two years ago we bought a television at Best Buy, purchased as a promotion with no interest for two years on a XXXX XXXX Without much thought, we used the same card with its available credit for other purchases. When the promo period ended, XXXX XXXX, the deferred interest charge of {$720.00} had been applied to the amount due. Upon further research, at no time after other purchases had been made, were monthly payments or a portion of payment applied to the original purchase, only the subsequent purchases. If this interest is not paid in-full this month, it deems our account over the limit and will incur a fee of {$37.00}

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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: set up auto loan payment and it didn't go through and i was 30 days late on my auto loan. can i please get this fixed and i can show proof that i had enough money in my account at that time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.

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

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 
Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX # XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2015 about Credit card () with Thomas, King & Associates (AZ).
Issue: Delinquent account

Complaint: Family members have been receiving calls from Thomas King and Associates. They have asked if they know my wife and need help with verification of information on a application that was submitted. I am not sure how they were able to connect the dots or have my families cell phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (VA mortgage) with DHI MORTGAGE COMPANY (FL).
Issue: Settlement process and costs

Complaint: A VA funding fee was financed into my loan amount, without an option to pay the closing funding fee paid at closing. The seller were to pay all closing costs. Case in point : Escrow funds were not paid by seller, until I inquired and requested the funds for the escrow shortages, of which I still have a deficit. Other issues are now under investigation, concerning the payments paid at closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Healthcare Receivables Group, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i have called about this issue and they say i dont owe this bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: transunion reinserted accounts already deleted for lack of verifiable documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called Equifax numerous times to have hard inquiries that were not mine removed off my credit report. I have requested signed applications of proof of the inquiries posted to my credit report on XX/XX/2016 and XX/XX/2016 by certified mail. All investigations returned back to me case closed with no signed evidence that I applied for the credit. I have also sent a certified, notarized letter to Equifax on XX/XX/2016 requesting proof of inquiries or they must remove the hard inquiries. The certified tracking numbers are USPS XXXX. This will be my 3rd certified letter over 5 months trying to get this matter resolved. There has been a fraud alert placed on my report due to the invalid inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Money transfers (International money transfer) with WELLS FARGO & COMPANY (NY).
Issue: Wrong amount charged or received

Complaint: On XX/XX/XXXX or thereabouts, XXXX USD was sent to XXXX to send to my bank in XXXX. The exchange rate on the date of receipt was XXXX/USD. Therefore {$130000.00} should have been received by my XXXX Account. Instead only {$120000.00} was received. 

I asked my XXXX bank about the shortfall, but they indicated that the money was received in XXXX, so they were not responsible for the bad exchange rate. I was told by XXXX that either Wells Fargo or XXXX may have been an intermediary on this transaction, but I could not get any details without help. Help was difficult to get, as even though it was my money, the intermediary banks would not speak to me as I was not " their customer. '' I wrote XXXX, President XXXX, and he was responsive. His subordinates helped get in touch with Wells Fargo. Wells was initially unhelpful and tried to obfuscate and blame others in the transaction. I had the good fortune of knowing someone that could read XXXX messages. Eventually Wells Fargo admitted that instead of routing the funds to my bank 's USD correspondent bank, they routed the wire to XXXX first, and took a hefty chunk of my funds in the process. Eventually, Wells did get XXXX to refund about half of the shortfall, but the other half remains unaccounted for.

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 01-03-2018 about Debt collection (I do not know) with ERC (AL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XX/XX/17 around XXXX XXXX a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named XXXX. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
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: XXXX XXXX was contacted on several occasions regarding bills not being received and failure to update address and fix credit reporting. I applied over the phone for a payment plan on both accounts and was told I might qualify for XXXX and I should receive something in the mail for a XXXX a month payment that I had asked for. I never received anything in the mail and was told by a manager that hr would update both credit reports back 60 days and even sent letters and this has not been done by the creditor. The creditor never updated my address properly after three requests causing my accounts to be reported negatively. I was told by the manager to make a XXXX payment and that my next bill should reflect the new amount if the program was approved. I never received a bill with XXXX a month. I have attached two of the bills that the creditor has sent me in a recent response, so the creditor is aware of the fact that they failed to send proper bills. No, I do not want my terms of the payment plan agreement outlined in my bill in which XXXX XXXX sarcastically stated. I am a XXXX XXXX XXXX XXXX and I rely on promo and correct billing. Sometimes a third party pays bills and this is required. The law requires accurate billing to be sent to the consumer 21 days prior to the due date XXXX XXXX has failed to do this on both of my accounts. I have started a legal process against XXXX XXXX. If this is resolved the process will be withdrawn immediately. I have contacted XXXX XXXX about its fraudulent reporting to the credit bureaus on numerous occasions. Also, the company charged off my account knowing they did not send of the proper billing statements that are required by law. XXXX XXXX XXXX XXXX states that it is not the companies process to send out correct billing statements. Please update my reports or I will have no choice but to take you to court and I will definitely win. XXXX XXXX did not send out the required bills to receive payments.

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 11-09-2016 about Mortgage (FHA mortgage) with JET DIRECT FUNDING CORP. (NY).
Issue: Application, originator, mortgage broker

Complaint: I lost my down payment and house I wanted to purchase when the mortgage company I was working with delayed the loan process and would not issue a commitment or denial letter in time to avoid Time is of the Essence penalty.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.

Company response to consumer: Closed with explanation