milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Mortgage (Other type of mortgage) with AmeriHome Mortgage Company, LLC (GA).
Issue: Trouble during payment process

Complaint: Purchased home on XX/XX/XXXX with financing through XXXX XXXX, loan ID XXXX. The Mortgage was sold to Amerihome, Mortgage, acct. # XXXX with the 1st payment due onXX/XX/XXXX. I received a property tax statement from XXXX XXXX dtd XX/XX/XXXX bill # XXXX and map # XXXX indicating that XX/XX/XXXX taxes were not paid and that a penalty of {$54.00}, interest of {$27.00} and other fees of {$32.00} had been added due to non-payment. I immediately call Amerihome customer service and spoke with XXXX ( no ext. #, no last name, no direct telephone # ). I was assured that the taxes had been paid inXX/XX/XXXX by check in the amount of {$1000.00} and that all " extras '' were taken care of by Amerihome. I trusted Amerihome -- never again! I received a statement from XXXX XXXX stating that the XX/XX/XXXX taxes had not been paid and to ignore statement if this was not the case. Again, I called Amerihome and home and spoke with customer service and was assured that this was taken care of and not to worry that all was paper-work catching up, etc. When I received a notice for my XX/XX/XXXX Property tax in XX/XX/XXXX and the notice indicated that the XX/XX/XXXX taxes had not been paid, I went to the tax office and discovered that Amerihome had paid someone else 's taxes. The difference in the map # was MINE -- XXXX and the one that had been paid was XXXX. I called Amerihome and spoke with XXXX who told me it would take a few weeks to correct. OnXX/XX/XXXXI called back and spoke with XXXX ( Supervisor ) that told me it would be 2 weeks to 1 month to correct. Both assured me that all penalties, fees, additional taxes, etc. would be paid by Amerihome. I called on XX/XX/XXXX and spoke with XXXX ( Supervisor ) who told me the issue was in the Legal Description Dept. and that our house payment would be adjusted and all issues would be resolved During one of my conversations, I requested the XX/XX/XXXX and XX/XX/XXXX statements. They are not showing in the computer system and was told copies would be mailed. I received XX/XX/XXXX& XX/XX/XXXX instead. To date, I do not have the XX/XX/XXXXstatements.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. 
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I Sent W ell Fargo Bank  a NOTICE OF DISPUTE, NOTICE OF DEMAND FOR PRODUCTION OF DOCUMENTS, AND NOTICE TO CEASE AND DESIST

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 05/13/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I and my wife discovered that after our contract agreement was assigned to  BBVA Auto Financing,  that our agreement/promise to pay, was deposited into an transaction account, opened in our name, without our permission, and monetized, that was concealed from us. We are requesting full disclosure of that deposit slip associated with our loan, and a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX I was told by a boa cust care resolution specialist XXXX XXXX that i owed additional interest on a modification that was signed by boa XXXX and not filed or completed until XXXX .I recvd a copy of the response to cfpb from XXXX stating that it has been verified thaht on XXXX boa made adjustments to the loan to show they had recvd XXXX thru XXXX payments on time. now boa is stating that additional interest is owed. I have abided by the agreement. I have the final mod stating when the payments, conditions and terms of the loan begin and end.XXXX stated XXXX that the payments were just estimates and i should read my agreement.NO this is not stated on the final agreement. I want this entire modification process to be audited by the cfpb..

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 05-09-2017 about Mortgage (FHA mortgage) with Seterus, Inc. (GA).
Issue: Incorrect information on your report

Complaint: Hello.     I sold the following home ( address:   XXXX   XXXX   XXXX     ,   XXXX   ,  FL  XXXX  ) last year  (     XXXX     2016 ).  My mortgage service provider ( Seterus, loan #  XXXX  ) has not updated the credit reporting agencies with this information and this outdated loan information is now impacting my ability to refinance my current home.      XXXX   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 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Disputed account, several times this year, for XXXX withExperian Credit reporting bureau requesting removal of account - 7 year statute of limitations has expired, received response XXXX/XXXX/2016 - no change.

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 07-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OR).
Issue: Account opening, closing, or management

Complaint: Hello, During mid XXXX of this year, 2016, I contacted Citibank about opening a checking account. While on the phone with a customer service representative I inquired about potential bonus offers that were available at that time. He went on to inform me that if i signed up for a Citigold checking account I would receive XXXX XXXX XXXX miles as long I completed a XXXX dollar purchase and at least XXXX bill payments via their website in two consecutive months. 
After completing the requirements I contacted citibank to ask if there system showed I had completed the requirements. I was informed that I was not eligible for the bonus, even though I was told about it by their customer service and received instructions in my welcome packet about how to obtain the miles. I was mislead by this company and they have refused my eligibility for the offer even though I was recruited to open a citigold account with the XXXX XXXX offer.

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 10-11-2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (SC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: This is is complaint involving the communication practices and loan mismanagement by Nationstar Mortgage LLC d/b/a XXXX XXXX XXXX XXXX is a service mark of Nationstar Mortgage LLC. I recently took over the home from my mother who XXXX XXXX in XX/XX/XXXX. I am the owner and occupant of the home in XXXX XXXX  SC. I was going through a loan modification, in which I made all the normal mortgage and trial payments through XX/XX/XXXX The new terms took effect onXX/XX/XXXX, and I made the XX/XX/XXXXpayment on XX/XX/XXXX. We were never informed that there was more documentation being sent out to be signed, which we never received. We received multiple phone calls and they never left a message stating this matter. I called back these phone calls ( that were made during work hours ), and all they mentioned was that we continue to make monthly payments. I was in the middle of trying to sell my home, and I called in XX/XX/XXXXto make sure the payoff balance was still the new terms of $ XXXX versus the old terms of $ XXXX. They loan specialist said yes, and that I can request the payoff balance at any time. I was in the middle of finalizing terms with a buyer, and I noticed that they are saying the account is past due sinceXX/XX/XXXX, and that the terms are back up to the $ XXXX  balance. I spoke with an agent who said he could send a notary service out to expedite the signage of the trial modification documents on Friday, XX/XX/XXXX. However, I spoke with an agent and her supervisor onXX/XX/XXXX, and she said the loan modification was marked as rejected onXX/XX/XXXX She went on to say there is nothing they can do, and that I would need to speak to an investor. I asked if she had a contact for this investor or to state my case, and she told me to XXXX them. I asked if she can repeat that and provide me the contact she has, and she went on to say that they do not have that information and that she could XXXX it for me. I have been dealing with this matter for over a year, and my frustration levels are extremely high. This is highly unprofessional, unethical, illogical, and asinine. They way they conduct business is outrageous, and I truly believe their business practices should be audited. We are looking into other ways to remediate this situation

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX, I was approved for the Chase Freedom Unlimited Card for a credit limit of {$1500.00}. ( See attached evidentiary documentation ). On or after XX/XX/XXXX, I was approved for the Chase Sapphire Reserve Card for a credit limit of {$10000.00}. Id. On XX/XX/XXXX, I was approved for the Chase United MileagePlus Card for a credit limit of {$15000.00}. Id. On or after XX/XX/XXXX, I  was approved for the Chase XXXX Rewards Credit Card for a credit limit of {$10000.00}. Id. <P/>On XX/XX/XXXX, I faxed my U.S. Passport and my local utility bill responsive to Chase 's inquiry Reference # XXXX. Id. On XX/XX/XXXX, Chase deactivated all four credit card accounts, without notice. The deactivation was discovered on XX/XX/XXXX, upon calling Chase to verify receipt and activiation of an additional user card. On XX/XX/XXXX, the closure of all four accounts was discovered while viewing the accounts online. No due process was afforded. No notice or disclosure has been sent. <P/>I believe that the accounts were closed based on race, color, age and social-class. During the review process, I was not allowed to enter documentation in support of my position. Chase withheld the rationale as to the basis of the deactivation. Shortly after I disclosed my race, color, age and social-class, Chase unilaterally closed my credit accounts. Chase 's practices were predatory because each account was assigned to maximum APR allowed by law. Chase 's practices were discriminatory because after the disclosure of my race, color, age and social-class, Chase deemed me undeserving to possess the accounts.
<P/>I suffer damages and costs including but not limited to : ( 1 ) hard credit inquiries ; ( 2 ) available credit to balance ratio ; ( 3 ) credit scores ; and ( 4 ) detrimential reliance. I seek the reopening of any and all accounts and/or reconciliation of any and all issues raised. <P/>I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Thursday XX/XX/2018 I requested an Employment Data Report from TheWorkNumber online. I received and read the report which includes all of my employment data sent to The Work Number by my employers. The report lists " verifiers who have procured your data in the past 24 months. '' In this section, an organization nondescriptly identified as " XXXX XXXX XXXX XXXX  '' requested my information two times on XX/XX/2018. To my knowledge, I did not authorize any such request. 

The report specifically says that " if you need further assistance or wish to dispute any information in your Employment Data Report, please contact our Client Service Center at XXXX Monday through Friday XXXX XXXX. Please reference case number XXXX. '' I have called this number several times asking for more information about what is the " XXXX XXXX XXXX XXXX  '' that made two requests for my Employment Data Report on XX/XX/2018, because to my knowledge I did not authorize any such requests because I have not applied for any credit cards nor have I applied for an increase. 

My first issue is that when you call this number, no one in any of the departments that I was transferred to recognized the reference case number, XXXX, that is provided on the Employer Data Report with instructions to contact the Client Service Center at the XXXX phone number. I was actually transferred nine times back and forth between three departments, Disputes, Verifications Research, and Equifax : who all said that they could not provide any information to me about the two requests on XX/XX/2018 from " XXXX XXXX XXXX XXXX  '', and who all did not recognize the case number. The only recourse I was offered every time was to be transferred to another department, and invariably receive the same response over again. 

My second issue is that I believe I have a right under the Fair Credit Reporting Act to receive an explanation or at least be provided with more information about what is the " XXXX XXXX XXXX XXXX  '' and why two requests for my employment data report were made on 02/13/2018 and if my Employment Data Report was released or not released to the " XXXX XXXX XXXX XXXX. '' I find it extremely troubling and inconsistent with the Fair Credit Reporting Act that I can not be given any more information or counseling on how my information XXXX be shared by The Work Number Service Team when you call the Client Service Center at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: It is taking Equifax XXXX times longer to review the activities of alleged creditors on my report than it took XXXX. I even provided them evidence XXXX concluded their investigation, and found in my favor. Yet, nothing has happened with my dispute since the day I filed it. 

I am. Trying to buy a home and this inactivity on their end is standing in my way.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2016 about Debt collection (Auto) with NCB MANAGEMENT SERVICES INC (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX, my XXXX XXXX XXXX was totaled. XXXX paid XXXX over {$14.00}, XXXX for the car. Well, I assumed the care was paid off and I owed nothing. Back in XXXX XXXX, I started to receive noticies from NCB Management. I really thought it was a scam, until I finaly contacted XXXX. I contacted NCB Management, and proceeded to make monthly payments, which began in XXXX XXXX. NCB Management, after being paid each month, was still reporting my account as not being paid and reported at first as a new account and then change to collection account with the original creditor being XXXX for little of {$6000.00}. But, it strange that the balance was going down on the account. I have statements and emails stating that the account was being paid, but still stating that it was closed and never paid. I recently contacted NCB Management, after they sent the payment for XXXX XXXX back to the bank, they state that the account been closed since XXXX XXXX for non payment. Now I am getting these harassing calls stating that my payment was returned and I need to contact them. But now it is showing on my credit report that XXXX is now reporting the same account as a new account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have encountered the issue with Citibank twice now where I have called them to cancel my credit card and close out the account and when I go to check it several days later, the account is still open. When you call in, the customer service representative will bring on an " account specialist '' to assist you with closing the account. You can tell them 100 times in a row to close the account and they will speak over you and say ok you agree to our promotion and so forth. In this last case, they signed me up for some offer and left the account open. Clearly, they employ some shady individuals who clearly receive some sort of perk for retaining customers. Beware of these people as you will more than likely have to call several times and cross your fingers hoping that the account is closed and you are not billed for services you never requested as well as an annual fee. I consider it harassment. It is as bad as a timeshare pitch which is not right. You should not be harassed and charged exorbitant fees for trying to close your 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 11/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I called Equifax to dispute some information and as I was speaking to them my credit score went down and they said when I dispute information my credit score will do down. So I canceled the dispute and then they stated it will not go back up.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section FCRA 611 5 ( b ). As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed be REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In 2008 I had business bankruptcy. My wife and I paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have over XXXX score with XXXX and XXXX but Experian score is only XXXX! We do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. I called Experian many times trying to figure out why my score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if 100 % back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?

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 10/18/2016 about Credit card () with SUNTRUST BANKS, INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.

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