milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Six years ago cleared up flood insurance with XXXX XXXX XXXX on vacant land, no flood insurance required. Three years later XXXX XXXX XXXX sells our mortgage to Nationstar. paying the usual monthly payment to Nationstar for about a year they suddenly send a letter to us stating we need flood insurance and if we do n't get it they will place insurance on us. I explain what we did with XXXX XXXX XXXX that the structure was removed there for no insurance required. I send proof from town hall stating the removal of the structure. They say not good enough and decide to place flood insurance on to our mortgage. Nationstar was asking for an additional XXXX month and we refuse to pay the extra money but continue to send the regular payment hoping we resolve the situation.We send the regular payment for about 8 months and that is when they refused to accept anymore payments from us and put us into foreclosure. Two years later and XXXX lawyers later we are stuck in limbo. Our credit is destroyed ca n't get a loan ca n't refinance on any of our properties. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Dear XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 
XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX # XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XXXX Automobile Dealers, New XXXX XX/XX/XXXX XXXX Miscellaneous Utilities XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Customer service / Customer relations

Complaint: bank chg a XXXX late feeI call wanted to get the XXXX processing add this would of got there in 3 days for pymt to process from where I live. 

cust ser did n't know it so they gave me XXXX add which took 6 days to process from where I live. 

This cause a late chg

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Credit card () with TD BANK US HOLDING COMPANY (PA).
Issue: Transaction issue

Complaint: I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609.
1. XXXX XXXX XXXX 2. ERC 3. 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 07/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX I made a check deposit of {$500.00} via Check # XXXX. Shortly after on the XXXX of XXXX I made another deposit of {$600.00} via check # XXXX. Both checks were placed on a hold. When I called about the holds the rep explained because of the account having a negative balance before the checks would be held. However, my accounts went negative because of the bank. I was given a temporary credit for a claim that I filed with them regarding an unauthorized transaction. However, they stated that they had not paid that particular transaction and that they would be reversing the credit. They did not tell me when they waited days later interfering with my normal banking and for this reason I got charged a fee. That was not my fault at all either way you look at it. The fact that they issued the credit and/or took it back. I got charged two XXXX $ fees, one for overdraft and the other for being 5days overdrawn. I thought of this to be unfair but moved on. Now I am having problems with these holds and I have NEVER had a check returned and the checks I am depositing are from another LOCAL account that belongs to me as well and the money has already been taken from my other account. It is an Estate account and I pay myself from that account. However, I can no longer trust that my money will be available to me so I now have to pay fees to cash my checks some place else. This is not only a inconvenience but a disappointment because I am a new member to Bank of America and thought they were great at helping but I was wrong. I am being punished for their mistakes and it just is n't right. Not to mention I now get charged a maintenance fee for the account that I did not agree to and I can prove this via statements dated back to when the account was first opened online in XXXX. Please help me to get whatever hold they have on me corrected. I am a single mother and student and I need my money to care for my child.

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 06/16/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My bank is not reporting my account information t o my payday loan  company called   XXXX   XXXX   in a timely manner

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 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax continues to say they are still verifying through this company which is incorrect and untrue. I also received information from Equifax advising XXXX is reporting correctly and that is untrue. They were REMOVED from my report on XXXX/XXXX/XXXX and placed back on XX/XX/XXXX. Now XXXX is BACK ON MY CREDIT REPORT. The accounts were disputed, but they will not do any investigation about these issues. Per The right to dispute the debt and receive validation are part of the consumer 's rights under the United States Federal Fair Debt Collection Practices Act ( FDCPA ) and are set out in 809 of that act, which has been codified in Title 15, Section 1692-1692p of the United States Code. According to FCRA 611 ( 15U.S.C 1681I ) Certification of accuracy of information. if any information has been deleted from a consumer 's file, the information may not be reinserted by the consumer reporting  agency. if any information has been deleted from the consumer 's file is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This has not been done AT ALL. The credit bureau has not verified any information nor did I receive any documents that XXXX would be placed on my file let alone reinserted. Please review and help me get the resolution that is justly needed in order to clear my name and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving multiple calls per day from a number with a XXXX area code, for several days. I finally answered the call and it was about a 15+ year old debt. I hung up. 
They called back immediately and left a voice mail message. They claimed they were pursuing legal action in XXXX county Florida, where I reside, with a case number of XXXX. 
They are using deceptive tactics to collect a debt that is well beyond the Statue of Limitations in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.

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 09/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed this account on my credit report with Equifax only to receive the same message stating : " Account information disputed by consumer, meets FCRA requirements ''. This account has not been properly validated. I have faxed a method of verification to XXXX Credit reporting agencies only to receive the same old response. I have also faxed to the collection agency a debt validation letter requesting asking for signed documentation with my signature on it that I agreed to pay whatever dollar amount the company is seeking along with a host of other request to go along with my signature. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or XXXX file # XXXX. This is not my first time disputing this account. By the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that there claim is disputed and validation is requested. This is my final attempt to resolve this matter and I will not stand to get another pointless response stating it was verified when I no that to be false. I am in the process of purchasing a home and this account is damaging my credit score. I have reached out long enough only to not get any cooperation from Equifax. I have attached the final fax confirmation page that I sent to midland credit asking for validation. Also, the validation request letter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I try to submit a " dispute '' for their ( Equifax ) listing of a wrong previous address ( XXXX XXXX XXXX ) which I have never lived seen or touched!!, but every time i try XXXX, NY ) to submit the dispute after entering all the initial information XXXX ) they require as Step 1 of 5, they kick you out with error message : " YOUR TIME HAS RUN OUT - PLEASE TRY AGAIN '' AND it does not matter how many times you try!! 4. There is also the problem that if you lookup XXXX & last 4 = XXXX you will find the are XXXX of us with the same last 4!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: This is an ongoing issue with my Lowes consumer credit card. Due to numerous bugs, their system is spotty and oftentimes does n't recognize my username, but at other times it does. As a result, I was consistently getting flagged as " being late ''. To Lowes 's credit, they did refund me all my late payments except for my last one. Their reason for refusal is their claim that they ca n't process multiple late fee reversals. In addition, my previous payment on XX/XX/XXXX was well over the payment minimum ( {$100.00} vs {$35.00} ), which should have covered this month anyway. Their website actually has more than one location where payment can be made, but only one is the correct one, making it needlessly confusing. Once on the page, the system is incorrectly telling me that my usernames of " XXXX '' and " XXXX '' is invalid. I even tried several others, to no avail, even though it had previously worked. To make my final payment, I had to call into their automated phone system, which again was spotty, and unable to take my routing number as I typed it in, forcing me to waste over 15 minutes just to make my payment.

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 10/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have two major issues : 1. Despite numerous attempts to consolidate all my loans under one company, I have been unable to do so. 

I have {$270000.00XXXX under Navient ; and three separate loans for {$24000.00} under Nelnet and one for {$3400.00} under Debt Collection.  The reason I did not originally include these other loans under Navient initially is that I was advised by a Navient customer service representative that these loans would not qualify for an Income-Driven Payment Plan request once the consolidation was completed. I was later told by a separate customer service representative that this was not correct information. At any rate, I am unable to modify the consolidation to included these items and the separate payments I am being requested to pay is going to be very XXXX over time. 

2. Navient 's determination that I am able to make 9 payments of {$1500.00}, 124 payment of {$2700.00} and 9 payment of {$1700.00} from XXXX until XXXX is incredibly unrealistic and will lead me to bankruptcy. 

Despite numerous attempts to select a reasonable monthly payment of approximately XXXX XXXX monthly given my income and financial obligation -- the payment schedule they send me does not truly take into account my REAL discretionary income. Their definition for discretionary income is income which exceed 150 % of the poverty guidelines. In XXXX the poverty level for a family of three is {$37000.00}. If you multiply this number by 150 % they are saying that I have approximately {$58000.00} in discretionary income given that my gross salary is {$100000.00} annually or {$4800.00} per month. So totally, not the case.
My net pay per month is {$4700.00}.
My monthly expenses are approximately {$4100.0XXXX. See below : XXXX XXXX {$2400.00} XXXX XXXX {$70.00} XXXX {$280.00}  XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX {$280.00} XXXX {$160.00} XXXX XXXX XXXX {$70.00} XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX 1 {$100.00} HXXXX XXXX XXXX 2 {$25.00} Total XXXX These two items are taken from my gross income XXXX XXXX XXXX$410.00} XXXX XXXX {$73000.00} Total {$5200.00} Please keep in mind that food, gas, car maintenance, etc. are not even included. 

I NEED HELP!!!!! No one at Navient is listening or seems to care. I do not want to file for XXXX but may be headed down that path if I can not get the REPAYE payment plan of {$620.00} per month which was offered when I completed the electronic Income-Driven Payment Plan request.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Application, originator, mortgage broker

Complaint: Asked for a loan modification from greentree servicing.Was denied the modification because I got a loanfrom XXXX at a 10.5 percent was told we would be able to refi in 5 yrs. This company XXXX XXXX and XXXX XXXX are all owned by XXXX XXXX. I would advise anyonethinking of dealing with any of these companies to run and run fast the other way. They are nothingbut predatory lenders. I pay more for 120,000 dollar house than my friends do for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I rented an apartment to XXXX XXXX managed by XXXX XXXX. XXXX XXXX sent me a bill stating that I owed {$54.00} for a gas bill. I showed them a letter from XXXX XXXX that I did not owe them anything. XXXX XXXX letter stated that I 've been paying my utility bill to them since I 've established it before I moved in. I continued to pay my rent and the management company continued to send me letters stating I owed them money. The management company started of with saying I owed {$54.00} and continued to increase it to {$6000.00}. The management company filed a suit against me for none payment in XXXX 2014. I was not properly notified and filed a motion against them. In XXXX 2014, my case was heard in front of the XXXX Circuit judge. The management nor their attorney showed for the hearing. The judge dropped the charges. Upon, recent review of my credit report, I noticed the management company sent {$9000.00} debt to a collection agency. I had the state 's attorney 's office investigate. XXXX XXXX stated that my bill for the gas bill has increased to that amount. I disputed it stating that a hearing was held in XXXX 2014 and was thrown out by the judge. This company has illegally placed a debt on my credit report that is not mine, they did not notify me nor did they try to dispute it again in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (OK).
Issue: Trouble during payment process

Complaint: I changed homeowners insurance in XX/XX/XXXX/XX/XX/XXXX. The old insurance company, XXXX had already paid the annual premium and when I notified them I changed to XXXX homeowners they sent me a refund, I contacted PNC Mortgage XXXX and they instructed me to co-sign the back of the check and sent it to them. I did as instructed and sent them the check. In XXXX XXXX I get a letter from PNC mortgage company and they were instructing me to contact XXXX and have them refund the annual premium they paid and to return it to PNC. I have already done this and tried to explain it to a representative from PNC and they told me they had no way to trace the transaction and I would be charged the Approximately {$3200.00} dollars to my Escrow account. This make the XX/XX/XXXX appear to have very poor control and process in place to properly handle homeowners mortgages. I request intervention on the part of CFPB to resolve this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/2016 Equifax indicates a payment made to my XXXX XXXX of {$130.00} and dropped by Fico Score by XXXX points. This is clearly inaccurate and the XXXX points should immediately be added back to my Fico Score. This complaint is against all XXXX Credit Bureaus, Equifax, XXXX and XXXX and also against any provider of this inaccurate FICO score information.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home with XXXX XXXX. I was charged XXXX % ( XXXX Point ) to reduce my rate. This should appear om my year end mortgage interest statement XXXX. I have called Loan Depot multiple times to try and resolve this waiting on hold for hours ( cumulatively ). They refuse to correct this error. They keep giving me the excuse this was paid to my " title Insurance company ''. This is a lie. I just want a corrected XXXX that reflects the points I paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation