milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have just been issued an order to leave my property in  two  weeks to  ten  days.   XXXX   XXXX   XXXX     dropped my loan in   XXXX   XXXX   XXXX     without cause. I continued to pay my mortgage once they found the account in  XXXX . In    XXXX   XXXX   XXXX  ,  they refused to account my payments to the mortgage through   XXXX   XXXX   XXXX  . By    XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX    r emoved for a new mortgage lender NationStar that refused my information ( personal and property ) for not being conducive to what   XXXX   XXXX   XXXX    h ad sent them in the sale. I have been under ID Fraud and  Credit Fraud s ince    XXXX   XXXX   XXXX    ( documented and proven at     XXXX   XXXX   major credit reporting agencies on background and credit and account fraud affects ... starting with my primary bank account at  XXXX   XXXX  ). Nationstar was adding to this problem. I have an HOA that tried to move a Foreclosure in    XXXX   XXXX   XXXX   for l ess than  XXXX  owed.  Nationstar  tried to collect back debt for   XXXX   XXXX   XXXX     and    XXXX   XXXX   XXXX    d enied that they were.  Nationstar  moved a Foreclosure for   XXXX   XXXX   XXXX   ,  was removed and moved another one on their own against myself and the HOA.  The County  Commissioner finally held a sale and put my house under    XXXX   XXXX   , no one has room for recovery under ID Fraud and Theft, including   XXXX   XXXX   denied me Unemployment last year as  a    XXXX    XXXX   XXXX   XXXX   XXXX   that worked mainly out of state in  XXXX  ( also remotely ) in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX , XXXX regarding an account with XXXX XXXX XXXX XXXX. The written letter offered the option to call XXXX XXXX XXXX , XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$500.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department ''. ( please see attached Credit Report excerpt ).

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I noticed there 's a name XXXX, XXXX, XXXX on my Credit card report is incorrect. I do n't used that name. Also I did not open, the XXXX Chase credit card back in 2005. How do I fix this problem? My Email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Violation of HIPPA LAWS!!! This is a medical bill that should not be on my credit.

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 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: FirstSource is harassing me by phone and by mail with a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.

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 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature

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 09/24/2015 about Debt collection (Credit card) with Patenaude & Felix APC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a voicemail from Patenaude & Felix XX/XX/XXXX regarding a delinquent XXXX credit card. I called back and the rep who answered the phone advised me of a payment plan of {$66.00} beginning later that month. I advised him that I was interested in the plan but that I needed to call back on the exact date I wanted to make a payment. He said that was fine and the call ended. I am still trying to get myself financially back on track and by XX/XX/XXXX I still was not able to make the payment. During the one call I had with the attorney 's office, I never advised of any bank account I wanted to use and never set up a payment. My surprise when I checked my bank account yesterday and noticed a {$66.00} check had been submitted to my XXXX XXXX XXXX account. That checking account was already overdrawn so that {$66.00} payment was returned and I was charged a {$35.00} nsf fee. I do n't believe it 's right that this 'attorney ' office and/or XXXX can just automatically take money from my account WITHOUT my authorization. I never set up a payment with Patenaude. I never even went on XXXX 's website and set up a payment. I was never given any plan details in the mail nor any sort of confirmation number since I never set up a payment. I find it interesting that the payment they tried to draft was the exact {$66.00}. I feel that the rep from the attorney 's office took it upon himself to contact XXXX and they took whatever checking account they had on file and tried to charge my account. I want to make good on my account but this is ridiculous. With the issues XXXX has had in the past this certainly does n't make them look any better in my eyes and this attorney should know what they have done is unlawful. Also, when I spoke with the rep I asked if I would get payment plan details in the mail first before I wanted that before setting up some payment. He said I would get it in the mail but it never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2015 at XXXX EDT I requested a money transfer using Western Union from within the XXXX website. XXXX website connected me directly into WU 's website. There was no way for me to log into my WU account. 
I thought it would allow me to transfer directly from my checking account to my friend 's bank. I entered the required information on each webpage. Before I realized it the WU screen popped up with a receipt with the tracking number for my friend to pick it up from a WU agent. That 's not what I wanted! I knew my friend would n't be able to go pick it up. 
I immediately called WU to cancel the transfer. The CSR there said, no they could n't cancel it, my bank had to cancel it. 
I immediately called XXXX, the CSR there said they have not way to cancel the transfer on their end. 
I called WU back, the CSR told me, they would cancel it and I would have the funds back in my account right away. 
I kept checking my account online that day and the next day and the next day and the next day ( As of today, the funds still have not been credited back ). 
I called WU again and they said it could take XXXX business days for the refund to show up in my account. 
I called WU again on XXXX XXXX only to be told my bank had to call WU to release the funds. 
I finally got around to calling XXXX today. Had to convince the CSR to call WU. She finally did and then the WU agent said she was n't allowed to have a XXXX call when gave them the cancelled WU tracking number. I had to hang up and when the XXXX CSR called me back she said I could pick up the refund at any WU office. When I asked for the tracking number ( that I know WU requires ) the call was disconnected. I called XXXX back and told the CSR the whole story again, she said she 'd have to put me on hold for XXXX minutes. XXXX minutes later she came back and said she 'd have to keep me on hold a little longer while she looked into the problem. XXXX minutes later the call was cut off, I presume by the bank reaching a time-out limit. 
I called the bank again and demanded to speak to a manager. The CSR then said his supervisor was n't available and can he have her call me back. I said no. I want this resolved, then I recounted the problem. He said the only thing he can do was contest the transaction with WU and it would be XXXX days before I would have my funds back. I then relented and gave the CSR my phone number for his supervisor to call. 
Am waiting for the supervisor to call back right now.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Had a {$500.00} credit limit on my Walmart Credit Card ( store card ) paid at least the minimum each month for over a year. Paid off the card last month ( along with 3 others ) to a XXXX balance. Working on paying down all my debt to improve my debt to credit ratio. When I paid off the card they lowered my credit limit to {$100.00} dollars. Thereby hurting me in the debt to credit ratio. My spouse also has a Walmart card that has a {$1000.00} limit. We were going to pay that off this month but am afraid they will do the same thing to that card. Hurting us in the debt to credit ratio ( again ) We DID NOT ask for a credit increase. They just took it upon themselves to check my credit ( yet hurting me again ) and made the decision based on my lack of knowledge. 

I would understand cutting my limit if I had a history of late or missing payments but I do n't. I am a faithful Walmart shopper who easily spends over {$1500.00} a month ( XXXX yearly ) not to mention all the money I spend at XXXX 's every month. They purposely waited till it was paid off and they had their money to do this! They could have done this with the balance on there and sent us a letter stating that they are reducing the credit limit to {$100.00} dollars and suspending the account until it is below the limit. Then they could have given us a 6 month grandfather period to bring it under the limit before charging over-limit fees. But no, they wo n't do that because they know the chances of the customer paying it off drops to XXXX! Instead, we wait till the good customers that are responsible pay off their card and do it to 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 11/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have never had an account with Portfolio Recovery Associates , Inc . 

2 ) Portfolio Recovery Associates XXXX Inc. and I have never entered into any type of written agreement. 

3 ) Portfolio Recovery Associates, Inc. has never presented me with any goods or services. 

4 ) The account referenced by Portfolio Recovery Associates XXXX Inc. is long past my State statutes. ( If this applies ). 

5 ) I have never done business with Portfolio Recovery Associates , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Debt collection (Credit card debt) with JTM Capital Management, LLC (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: The Company is called JTM Capital Management. On XX/XX/XXXX, my grand mother was called and informed of my personal information, and debt amount. I quickly called the Debt Collector that left her number, and explained that was she was calling an XXXX XXXX XXXX women and disclosing my personal information. I was told that this would not happen again, and I repeated my phone number as a source of contact until I could get this resolved. Three days later, my mother 's place of employment was called, again telling her coworkers that I owed a debt, the amount, my address, my date of birth, and other personal information. I called again, and was told by a women that they are not doing anything wrong, and that I am about to be sued by the original credit holder. I called the original credit holder, and was told that they are absolutely not suing me, and that this account was sold to debt collection agency that has no authority lying about suing!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: To Whom it May Concern : I have been a customer of XXXX XXXX then Navient for about ten years. I have always made my monthly payments. This month ( XXXX ) was extremely hard on me financially. I called Navient and asked if I could have a forbearance just for XXXX. I will be able to pay XXXX. As stated before I have paid monthly since I acquired the loan. I was told there is a {$100.00} forbearance fee. My loan payment is about {$170.00} a month. If I ca n't afford {$170.00} why would I be able to pay {$100.00}. I have federal student loans and have never been charged a fee. They stated that this fee will be applied toward my loan. I do not have the monthly payment and I do not have {$100.00}. I find it unfortunate that a company that I have had a good relationship with for ten years is unwilling to Assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. 

Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to 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 03-11-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: Last year the weekend of XXXX XXXX, 2015 there was a glitch in their debit mastercards. Customers were charged twice for their purchases. Huntington did go through and refund all the double charges. 
- Some customers like me had checks bounce and payments bounce because of the excess of charges caused the account to go negative. I had to pay Return Check Fees to the merchant 's that were sent back. Huntington refused to cover any other merchant fees. 

Huntington offers a 24 hour grace for checks that may not clear this gives you a chance to go in and get your account caught up. The problem is you do not know if they will give you a chance for the 24 hour grace or not there is no clear guidelines. You are told it is at the Bank 's discretion. I have a disclaimer for the 24 hour grace if XXXX XXXX needs it. 

I have written the Consumer and Financial Protection Bureau because of the excessive fees that Huntington has imposed on my account. In XXXX some of them fees were finally returned. 

Our account has been in good standing and in XXXX I found out that huntington took my account from a " Huntington XXXX account '' to a " Asterisk Free Checking '' without notice or my permission. I have asked why and they can not answer my question. They tried to say it was to save me money. Which makes no sense because I did n't ask to have it changed. I did not want it changed and was not notified that it was changed. 

Then on XXXX XXXX, I found out a check I wrote a week earlier was bounced back. I had {$14.00} in my account and thought the check cleared. The check was for {$35.00} and they sent it back. 
I called and called and tried to find out why I did not get " 24 hour grace '' and asked why? They said it was at bank discretion ( We have had 24 hour grace for larger amounts ). Immediately I paid the Overdraft fee to bring the account current. 

On XXXX XXXX, the check went through again. I was charged another {$37.00} on the same check. 

The problem is Huntington refuses to return any money to me. They say they can not return any money because they credited my account too many times. 

I then asked why I was not offered a 24 hour grace and finally I am told " you overdraft too many times and you are no longer eligible '', I asked why I was not notified? 
The bank 's reply was " We do not have to notify you ''.

Company response to consumer: Closed with explanation