milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Sortis Financial, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: Following up on complaint No.  XXXX . Please reference all documents and summary regarding this claim. Unfortunately, we just received notice by email from you it has been closed due to receipt  from Clear Springs (  response attached ). This was just a paper shuffle. I would appreciate the opportunity to speak to a member of your staff to discuss the avoidan ce by Clear Springs  to settle this short sale.  XXXX   XXXX   XXXX  has offered {$8000.00} to payoff the 2nd ( HELOCK ) and close out this file.  Clear Springs  would rather have foreclosure filed by  XXXX  and wipe out their receipt of any payoff amount. Very conceited approach. Homeowner distressed by this process!     Please phone my on my cell at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Payment sent using our Bill Pay with our Credit Union on XXXX, which is by Electronic Transfer. Payment not applied by Bank of America until XXXX. Our XXXX payment was sent also via the same method on XXXX, per our Credit Union, money was deducted from our account on XXXX, received by BOA on XXXX. Today is XXXX and our payment still has not been applied. Per our Credit Union proof of payment has been faxed twice to BOA over the last two days via fax XXXX. I have called BOA several times to have this matter resolved without resolution. They tell me they do not have my payment. THEY DO!!! I am worried about credit reporting and my mortgage becoming delinquent.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with TransUnion, XXXX and XXXX credit bureaus. Over the last week XX/XX/17-XX/XX/17 it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( TransUnion, XXXX or XXXX  ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved

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 05/19/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Paper dated XXXX/XXXX/XXXX shows Chase did not pay my land taxes, although they took out the money, via my escrow account. The XXXX XXXX XXXX statement shows they paid the taxes the years they had the loan. I had to pay XXXX taxes myself, that 's when I found out Chase had not paid XXXX taxes either, this was about the time Chase sold my loan to XXXX XXXX. Now Chase will not reimburse the over XXXX dollars I wrote a check for on my XXXX taxes, or any money I paid to them on my XXXX taxes. Now XXXX XXXX has caught up my taxes to secure the loan resulting in my house payment increasing. I have included all paperwork to support this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.

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 04/25/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: i was paying my mortage on time through in my cradit report XX/XX/XXXX XX/XX/XXXX mark as x mean unknown. as wel fromXXXX XXXX toXXXX XXXX.can u please make these period ok as it should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have at great length described the trouble I have experienced since 2008 with my modification applications for my home, a negative arm XXXX loan which has ballooned out of proportion during my applications. 
I did file a complaint against XXXX. But in the mean time, my loan was sold to SPS, a new company which continues to press me with modification applications even though no such application can be successful unless XXXX -- and the investor XXXX -- consider the numerous mistakes that were made during the modification process and then look for a solution. While reviews are under way, SPS continue to press me for documents, for filled out application forms, and threatening foreclosure on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am writing this letter in response to my dispute with Portfolio Recovery Associates. I requested validity of a XXXX XXXX credit card debt and was sent a billing statement in the amount of {$580.00}. I do not owe this debt and the address associated with the statement does not belong to me. This account has been removed from XXXX and XXXX, and that this account be immediately removed from my XXXX  credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: 1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I call each company to they give information about this inquire and they said could not help me that in need to contact the credit XXXX and XXXX I did and they said I need to contac the company and it been 2 years in this XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX Cbcinnovis XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I recently purchased my first home using a FHA loan. My loan was sold to Amerihome Mortgage and I have been having issues getting them to accept my mortgage payment ever since. I have submitted multiple payments through their online system, their phone system, and XXXX XXXX Bill Pay only to have the payment be rejected by Amerihome each time. I have the correct account number and have the funds in my bank account. I have called them numerous times, had a threeway call with Amerihome and XXXX XXXX, and still have not had this issue resolved. Despite Amerihome being aware of the issue, they continue to harass me with automated calls demanding payments. They do not respond to my emails, and always promise to have a supervisor call me back, but I have not recieved any calls besides the harassing automated payments. I warned Amerihome that I would file a complaint with BCFP but clearly they are not worried about it because I am still unable to successfully submit a payment to them. I am at my whits end and just want to have my mortgage paid and my credit clean. Please help me! 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I have credit card account at Kohls.
I made online purchase of XXXX  on XX/XX/XXXX and never received any bill or payment reminder for this balance.top of that, I am struggling to schedule auto pay for this account from last couple of years. every time when I call for auto pay assistance, they say it 's under payment option when you go online. I ca n't find any auto pay option. find attached file for all payment option.
In addition, they charged {$15.00} late fee in XX/XX/XXXX and reported my account to credit bureau. They should have at least inform me before reporting to credit bureau. Moreover, they charge {$37.00} again in XX/XX/XXXX as late fee.
so basically my balance is as of now around {$81.00} with all fees where my original purchase amount is only {$26.00}. Associate was very rude while talking and when I ask about the reminder they said you are responsible for the balance and we did contacted you in other form. I do not have any other contact channel.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Medical debt) with Walwick, Inc (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have outstanding bill with  XXXX   XXXX  in  XXXX . The bill started at  XXXX  I have been making payments to the account. The hospital has received several notices from my insurance company asking them to fix documentation and send new documents. The hospital used the incorrect coding. I have tried myself and keep getting the run around. My insurance company is  XXXX . Hospital sent me to collection without any notice for a bill that I have been making small payments on. I have called medical records and you can only leave a message. I have gone down to the office and they always seem to be away and you can not speak to anyone. This is no the first time I have had a billing issue with this hospital.

Company response to consumer: Untimely response
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (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: I am inquiring about removing a few late payments off my credit report. During XXXX of XXXX, I had emergency XXXX XXXX XXXX causing me to miss work for 8 months or so, my Income was severely reduced causing me to fall behind on my payments. Thankfully, Ive resumed work and caught up on all my payments, paid every late fee and have been current without missing a payment for 8 months. Ive asked to have my lates removed due to the hardship I endured and as I stated, all payments were made and fees were paid. I was 30 days late on XX/XX/XXXX and XX/XX/XXXX and 60 days late XX/XX/XXXX and XX/XX/XXXX ... since Ive made every payment on time and have never had an credit issue previously or after those dates. If you could please assist in clearing up my report due to the nature of my situation it would be greatly appreciated. I take full responsibility for the lates and have set auto payments to avoid any further incidents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Citibank Credit Card account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX Remove consumer statement Both my Citibank cards have a consumer statement attached which are incorrect I am in the process of closing a large home loan near {$300000.00} The only hitch is both my citibank accounts are reporting as being in dispute. I called Citibank explained the urgency, informed them the account was not in dispute, as I currently use the accounts and make my monthly payments timely. The agent informed me to fax a letter requesting to remove the dispute immediately, but also stated this could take 30 days. I do not have 30 days. The consumer statement is not accurate I am asking for that statement to be removed immediately. 
I have attached : 1 ) the letter I faxed to Citibank 2 ) Page of my credit report showing the 2 Citibanks credit cards with Consumer Statements

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 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.

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 09/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (LA).
Issue: Credit decision / Underwriting

Complaint: When I purchased this home I asked and was told that it did not have Termites and that it had passed termite inspection. I later found out that it had termites and the mortgage company included an old termite inspection document in the paper work and did not have one conducted for my benefit before I purchased this house. It has termites and it has them really bad!

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 03-09-2016 about Bank account or service ((CD) Certificate of deposit) with CIT BANK, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Purchased a Jumbo C.D. from CIT Bank XXXX/XXXX/XXXX. Acct number XXXX under name of XXXX XXXX. As I was preparing my XXXX Federal and State tax returns, I realized that bank never issued me a XXXX or XXXX form XXXX. I called CIT bank and was told by representative that no hard copies of XXXX 's were mailed out - the account holder was responsible for download form online. Bank representative told me that CIT Bank knowingly and willfully did not mail copies of XXXX -INT to customers. I now have to file amended XXXX State and Federal returns and incur additional fees from my accountant and pay interest penalty to Federal and State.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Managing the loan or lease

Complaint: In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Today, X/X/2017, i contacted Credit Protection Association, L.P. regarding 2 letters I had received from them. This is pertaining to an {$840.00} utility bill i owe. I inquired about settling the account, they said they DO NOT ACCEPT SETTLEMENTS. I offered to set up payments for $ XXXX/month. They advised me that " did not fall in their system as a valid payment arrangement '' and that I " could send that in, but it would still be reported to my credit '' ( which I am in the process of fixing, so that I can purchase my first home for myself, my fiance, and our XXXX daughters ) They provided me ONLY ONE option, that i put down 25 % and can only make 2-3 payments on the remainder. I told them that I CAN NOT afford that ( as I only work part-time and have XXXX children '' -- - they proceeded to tell me that is my only option and that their " system wont allow anything else '' I counter-offered to pay them $ XXXX/month for 8 months. They also stated that " isnt a valid payment arrangement ''?????? I have worked in the collection industry for over 5 years now, and as far as I 'm aware, this is NOT legal, nor is it just. I feel it is absolutely demanding, and that they are refusing to work with the consumer, just to put more money in their bonus checks. I of course, told them I will be in contact, and that I would be consulting with an attorney ( which i already contacted the New York State Attorney General as well )

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