milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian refuses to remove an account that is not mine from my Experian credit report. The account is with XXXX XXXX CARD and the Account Number is XXXX .... This account is not mine and I have informed the credit grantor who has advised me they will remove it from my credit report, but Experian refuses to do so even though XXXX and XXXX have removed it.

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 08/26/2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction issues

Complaint: My name is XXXX XXXX. I currently bank with Chase. They have a service called XXXX. 
I have used this service in the past successfully. 
On trying to use this service again, I just found out that they changed it. The person receiving the funds is now required to submit their financial information to a third party called " XXXX XXXX '' My con plant is that I was never asked about this, or any discussion submitted The Chase financial institution, without my permission has required my friends to submit thier financial information to an unknown third party with unknown and unvetted credentials. 
This is a serious and onerous breach of trust and SECURITY since the aforementioned bank, Chase, recently experience a massive breach in security, requiring them to cancel all their cards and issue new ones with added security. 

In light of this fact, it seems to me the height of arrogance, insolence, aloofness, superciliousness, chutzpah and disdain by the bank, to subject the customer and the customers financial friends to a third party and unknown security credentials without permission. 
I am extremely disappointed in Chase and their behavior. They are always asking for feedback and customer satisfaction, but I see now that all is is merely lip service and means very little. If they truly were concerned with the well being of their customers, they could have, and would have asked for the customers opinion and carefully weighed the customers concern and explained the matter, instead of acting in such an imperious and 19th Century provincial, highhanded and uncaring manor. 

Thank you. 

XXXX XXXX XXXX.,

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: My loan servicer, Loancare, will not pay my XXXX property taxes. They claim they were paid in XX/XX/XXXX, but that my county tax collector still shows the bill as unpaid. I have called them at least monthly since XXXX and have been given different reasons for the delinquency each time. I have also been told they fixed the problem and paid my taxes in XX/XX/XXXX This is not the case. I have been unable to get any meaningful action or resolution in the past 4 months I have been contacting them. I had the same issue with my XXXX property taxes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Account opening, closing, or management

Complaint: Sub : Reg. Account opening bonus {$350.00} Enquired and Verified several times with HSBC customer service through bank emails, phone calls and chat. I have been advised that the bonus promotion {$350.00} will be credited to my account by XX/XX/2017. So far it 's not credit yet on my checking account. Even discussed several times with customer service, the team is not knowledgable circling and not providing solution on my case. Hence, raising this complaint to resolve my issue : Few case history reference for the investigation : Checking Acct Inquiry ( XXXX ) Date : XX/XX/2017 We are pleased to inform you that our Online Processing Team has reviewed your request and confirmed that your account is eligible for the {$350.00} promotional offer. 
Your Checking Account should be credited with the {$350.00} by XX/XX/XXXX. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 Upon review, we notice that the {$350.00} Bonus is scheduled to be credited within the XX/XX/XXXX. 
Checking Acct Inquiry XXXX XXXX XXXX XX/XX/2017 : You will receive your {$350.00} bonus into your account within the next 7-10 business days. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Upon review, we notice that you have successfully set up two bills per month from your new HSBC Checking account via HSBC? s online Bill Pay for three consecutive months within 120 calendar days of your account opening. Please be informed that the last payment was initiated on XX/XX/2017. As such, you will automatically receive a {$350.00} welcome deposit into your account approximately within eight weeks from XX/XX/2017. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : We have submitted a case to have the status of your promotional deposit investigated. Please allow us some time to look into this. 
Now, I have been told that about the eligibility criteria investigation again, which was investigated and confirmed by customer representative in XX/XX/2017 itself. 
Checking Acct Inquiry ( XXXX ) XX/XX/2017 : Thank you for your patience while we researched your promotional deposit eligibility. 
Since the account open date was after the Fall cut off date we are reinvestigating your eligibility. Please wait until the next month 's results are out. You will receive the gift by XX/XX/XXXX if all the criteria are met. 
I have lost my patience and faith with HSBC and it 's poor customer service, hence I 'm raising this compliant. 
Please investigate and resolve my issue at the earliest. 
Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: For last two months, I have made an electronic payment to Capital One on credit card ending in XXXX. Each time, I received an email notifying me the payment was late. I, in turn, checked with my bank only to learn that the electronic payments were submitted and paid timely. When I contacted XXXX about the same, I was to by " XXXX '' that each time, I underpaid the minimum amount due -- {$230.00}. First, XXXX  never informed me about the sudden, substantial minimum payment increase. and second, that it supposedly wavered last month 's late fee. 

Each time I have filed a consumer complaint against Capital One, I have been retaliated against.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Employment Data Reported XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone NumbeXXXX XXXX XXXX XXXX Current Position XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX Current Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number XXXX XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX Past Position XXXX XXXX XXXX XXXX XXXX XXXX  Past Position XXXX These are my current and past employers on my file the credit Bureaus have Employers that are not the right name nor have I work for them I have provided the right information with address and phone number to verify There is to much wrong information on my credit file and makes no sense this incorrect information or how it was obtained is wrong I have sent pictures of credit report errors and wrong changes and still month after month wrong information and not corrected right from what ever source

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Citi XXXX XXXX : Harassment calls several times a day, for days after making a payment. 
I received a phone call that I missed a payment. It was in fact numerous phone calls thoughout a day. When I called in the automated system to make a payment ( almost XXXX times the amount requested ), I continued to receive the annoying computer generated calls throughout the day. For the day I made the payment, and three days later. Three days later of up to XXXX calls a day each and every day, including Sunday evening, at random times. 
This same thing happned a few months before, were even after making a payment I received numerous calls each day for a few days after my payment was made. After calling in both times to speak to a customer service rep, they acknowledged my payment, and apologized that there system does not recognize payments made on certain days, until some days later. I informed them this is harrassment and no excuse. 

I would like to see that Citi is prevented from harrassing people that have made the proper payment, and calls immediately cease once a satisfactory payment is made. Their calls have interrupted my family and business time, and have been harrassing in nature with the frequency and time both on Sunday and in evenings each night. 

I would like to see this investigated and fined to prevent this from happening to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Although I received a letter from Green Tree ( see attached ) saying that all calls on this account have been stopped, I received a call at my work on XXXX/XXXX/15 at XXXX. This is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Fedloan Help (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I looked into options to consolidate and lower my student loan payments. I reached out to XXXX XXXX XXXX and signed up for their repayment program. Some how- I ended up receiving- what I thought was more help- from another company named Fed Loan Help . The website is Fedloanhelp.org. Which is now up for sale- and you can not contact any of the people who originally helped me ; listed below. 

XXXX XXXX and XXXX XXXX and XXXX XXXX both from : Fedloan Help : Nonprofit Organization Phone : ( XXXX ) XXXX Ext XXXX & XXXX XXXX & XXXX XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX XXXX I had been paying {$72.00} from XXXX XXXX to XXXX XXXX every month in an automatic payment plan. XXXX XXXX, XXXX I received an email from XXXX XXXX XXXXXXXX XXXX the real company ) informing me that my payment was late. I then called the next morning to ask what was happening as I had been paying {$72.00} every month automatically. Which I then realized that they stopped taking my money XXXX XXXX, so things were not adding up. XXXX XXXX XXXX informed me that in XXXX XXXX I enrolled in a {$0.00} payment plan for the year and this was my first payment. Which then means the money I had been paying has gone to thin air. {$72.00} for 15 months XXXX XXXX XXXX to XXXX XXXX XXXX totals {$1000.00} which I thought was going to my Fed loans, is now missing. I tried to contact the numbers given from the people above. I tried to email, reach someone on the website, I even asked for help from other repayment companies. All of which said Fed Loan Help was not real. Once this happened I contacted my bank- TD XXXX XXXX make sure all payments would be stopped and they could n't take anymore money. I also asked XXXX Bank if I could put in a dispute against the charges as this is clearly a fraudulent company. They took about a month to see what they can do, but it came back that XXXX Bank can not dispute any charges over 60 days, which my last charge was XXXX. So now I am out this money, with loans to pay, and I am hoping for some help in getting this money back towards my real loans. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 09/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have reached out to navient 2 different times. Navient continues to try to collect payments for a school I didnt attend. In XXXX I attended Florida XXXX University that abruptly closed down due to bad business practices and accredidation issues. After closing it reopened under a new name called XXXX University and even though the same company XXXX colleges was over the new named school they still refused to except the credits from the prior school they shut down. I was unable to complete school because it shut down and no other school would transfer the credits over. I then started recieving bills from Navient trying to collect for XXXX University. I Explained that I never attended XXXX and that I only attended Florida XXXX University and that due to that school closing down while I was attending it qualified for loan forgiveness and that XXXX XXXX Florida campus on XXXX XXXX had shut down as well and qualified for loan forgiveness. I sent them my transcript that only shows Florida XXXX University but they continue to tell me I went to XXXX and that the schools code remained the same. Even if the school code remained the same the school still shut down. I then showed them on the federal website where everest is on the list for closed schools but they continue to say XXXX is open since at some point they opened another campus outside of XXXX in orange park, Fl on XXXX XXXX but even that location closed down and did n't even offer he same courses. I even asked them to show me proof of attending this school signatures or paperwork and to just simply validate this debt as law requires but they claim the records are stored away. Ive spoken to mangers and faxed papers and now they wont even return my calls, I finally spoke with someone name XXXX in XXXX XXXX and she emailed me a signed form that still said Florida metropolitan university. Navient has systematically and illegally failed me at every stage of repayment and has created obstacles so that I cant resolve this problem. They continue to provide me bad information. I want this removed off all three of my credit reports. While reading my most recent credit report it shows 3 seperate loans. One for from XXXX XXXX for {$610.00}, XXXX XXXX for {$2100.00} and XXXX XXXX for {$130.00}. I want all three of these loans deleted from my credit file with all 3 bureus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: I have a mortgage with Nationstar Mortgages for a new condominium I purchased in  XXXX  of  XXXX . This loan includes an escrow account for taxes. Nationstar acquired the loan in  XXXX  from  XXXX   XXXX   XXXX . Neither of these  XXXX  companies have paid my town real estate taxes stating they will not due so because it is a new condominium and the tax bill is for   XXXX   of the  XXXX  units in the association. I have provided documentation from the town verifying the percentage of the taxes that my unit is responsible for. I have also asked that if they will not pay the taxes, that they refund me the escrow so that I can pay the taxes. Both companies have refused to do so. The town has said they are starting the process of placing a lean on the property. As well, there are over {$80.00} in late fees that neither company has been willing to pay.     I have close to   XXXX   XXXX    in  my escrow account. I have tried many times to resolve this and have had a least six phone calls and have sent letters to them, have sent them all the requested documentation, but they have not resolved this. In my last phone call on Friday,  XXXX   XXXX ,  XXXX , Nationstar said they would not resolve this until the next fiscal year in  XXXX , despite being aware the town plans to start the process of placing a lean on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on X/XX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WV).
Issue: Loan servicing, payments, escrow account

Complaint: about 6 years ago I had a home repossessed from me from my mortgage company.. 
they called me on several occasions an told me that I was behind on my payment an that I was either late or they did n't take enough money out of my account and charged me more and by saying more I mean like I was paying them like XXXX to XXXX a month for like six months till I could n't afford to keep up with it anymore.so then they told me that I had to move an paid me some where around XXXX to XXXX to move out I feel like they stole from me and caused me to have bad credit I have learned that they are in a huge law suit do to wrong doings to people. how I found this out was trying to repair my credit also I remember a time when an investigator came talked to me shortly after all this happened just never thought no more of it till now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.

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 05/21/2016 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: My APY on my money market account with Santander changed from 1.25 on my XXXX/XXXX/XXXX statement to 1.10 on my XXXX/XXXX/XXXX statement to .75 on my XXXX/XXXX/XXXX statement. I received no notice or notification about the change in my APY nor authorized the change with Santander or agreed to it. This is highly concerning to me as this is a violation of Banking regulations and warrants a complaint. I did try reaching out to Santander customer support and they gave me no written excuse. Instead they told me to call a customer support number which I did and sat on hold for XXXX minutes and could not hold any longer. I think it is ridiculous that the Bank could not respond in writing. I believe this Bank is treating its customers Unfair and are being deceptive about their business with its customers. I would greatly appreciate the CFPB and the regulator of Santander to perform an exam of this Bank and identify all its control breakdowns and deceptive acts and other potential regulatory violations.

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
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was removed from my XXXX credit report & Santander placed the account back onto my credit report after being removed due to reporting inaccurate information. I am requesting that Santander remove the account from my XXXX credit report ASAP. I have already contacted XXXX  but they advised that i have to complete it with santander

Company response to consumer: Closed with explanation