milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Mortgage (Home equity loan or line of credit) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a loan modification put in place XX/XX/XXXX that expired XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX and the lender determined the monthly payment of {$1500.00} and the term ending in XX/XX/XXXX. This was not a re-modification but the remaining loan conditions. 

A transfer of loan servicing companies occurred during XX/XX/XXXX with payments due to the new company, BSI Financial Services, in XX/XX/XXXX. Timely payments have been made with the old servicing company as well as the new servicing company with all terms staying the same. 

As of today 's date, no XX/XX/XXXX statement is available ( usually mailed and nothing is online ). To our shock, the online account information shows the XX/XX/XXXX payment due of {$5200.00}. 

Why and how can a new loan servicing company just change the payment? Do we have to wonder if we can stay in our home every time a new servicing company is hired? 

The main issue is how do they have the legal right to change our loan? The modification period was over XX/XX/XXXX. The remaining rate and terms were decided at that time. Since that decision we 've made all payments on time. Nothing else has changed except a sudden change in our payment without notice, without a statement, without a reason, and besides all of that, about a 16 % interest rate. 

Notices from both servicing companies that announced a new Servicer will be collecting the loan payment state " Nothing else about the mortgage loan will change. '' Per BSI Financial Services, we can not make our normal payment of {$1500.00} because it will only be put into the " unapplied funds '' account. Only {$5200.00} will be accepted. 

So we not only have an invalid ridiculous payment change but now our good record and credit are in jeopardy since we can not make our valid mortgage payment. 

As XXXX XXXX barely making ends meet, we do not need this duress and stress. 

There is absolutely no reason for the new servicing company, BSI Financial Services, to change our loan terms, and even if we were n't seniors, this is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Credit card () with DISCOVER BANK (WA).
Issue: Other

Complaint: I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: NCC BUSINESS services keeps trying to ruin my credit by charging me for something that is not mine! Ive tried to dispute and identity theft! They have threatened me when I call to ask for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (TX).
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 began my dispute with XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in XX/XX/17. I disputed these items because I don't feel that they are being reported in compliance with FACTA, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I called first XXXX XXXX and told them I needed help paying my loans they consolidated my loan but the interest rate kept going up then Navient took over and when I tell them the payment is too high they put me in forbearance for a month or 2 at a time and I end up with a debt of XXXX from XXXX. I ca n't pay my loans it will be XXXX if I make my payments of XXXX a month I ca n't afford that

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: My car was repossessed in XX/XX/XXXX by XXXX XXXX XXXX.

I never received documentation that my car was repossessed until XX/XX/XXXX, in which I lost my license due to the fact that they could n't provide me with a letter. When I called in XX/XX/XXXX to find out where my car was with all my possessions, they did not know where it was located, the tow truck company got a ticket that was forwarded to me by XXXX  with the car in tow. I reached out daily for updates as to where my car was located so I could get my stuff and turn in the plates and not anyone could give me an answer. I had lost my license for 4 mths due to the fact that the tow company lost my plates and then I never got my valuables out of the car. Now in XX/XX/XXXX, my loan shows that I have missed payments, and is still open. They sold the vehicle in XX/XX/XXXX and my credit is ruined because of them. I also am XXXX I lost my license and my valuable were lost. Very disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My husband had a credit card with XXXX XXXX XXXX. He stopped paying his bill and the credit card company then reported negatively on my credit report. I called them on XX/XX/XXXX and was informed by them that this debt is a marital debt. They told me they can report this on my credit negatively if they so please and they do and they are doing just that. This was not my credit card. I never signed/applied for this credit card and they should not have had my social security number. 
According to my soon to be ex-husband, I was only an authorized user. He had to have given them my SSN. He has done a lot of things to create financial hardship for me since he filed for divorce and did not tell me until 4 months later ( 18 days before court ). 
My house is in foreclosure ( because he stopped paying the mortgage ) and he has stopped paying the time share also. 
I filed a dispute with Equifax approximately XX/XX/XXXX. 

FYI : XXXX is my husbands nickname.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 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: Personal information incorrect

Complaint: There is an incorrect address on my TransUnion credit report. I have tried both writing to have this removed as well as removing it through their website. I have not received a response from the written request and their website errors out when trying to notify them of incorrect data.

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 09-08-2017 about Credit card or prepaid card (Gift card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: I had an AmEx Gift card for {$100.00}. I did not make any purchases using this gift card but when i tried to use it there was no balance in the card. I checked online on the AmEx site and it shows 4 transactions made in XXXX XXXX. I have never been to XXXX XXXX so seems like there were fraudulent purchases and I lost al the {$100.00} gift card balance. So far AmEx has been very unhelpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: This involves a credit card that was issued to my father, XXXX XXXX. He XXXX XXXX in XXXX XXXX and I notified US Bank that he XXXX XXXX and closed the account ( all charges to the time of his XXXX were paid in full ). Several months later, I received a credit card in the mail in my mother 's name, XXXX XXXX. My mother XXXX XXXX in XXXX XXXX, so I called and spoke with a representative who apologized and advised me that he had taken care of the matter and closed the account ( again ). 

Today, ( XXXX/XXXX/XXXX ) When reviewing my father 's checking account ( this was a joint account, so I have access and have been paying the last few medical and other bills ) I saw a charge from " XXXX XXXX '' for {$74.00} on XXXX XXXX, XXXX that was an ACH payment. I contacted my bank, XXXX, who advised that US Bank charged the account in payment of an account issued to XXXX XXXX. XXXX is contesting the charge on my behalf and had me contact US Bank. While waiting for US Bank to stop transferring me from one unhelpful contact to another, I am utilizing my time filing this complaint. 

It is absolutely beyond the pale for a bank to issue credit cards in the name of someone who has been XXXX for more than 20 years in response to the cancellation of an account on behalf of her now-XXXX spouse. Once this was supposedly cleared up, the bank now has the audacity to charge a bank account for unauthorized charges? This is unacceptable and US Bank must be held accountable for this conduct. 

Thank you.

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 01/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: XXXX XXXX XXXX in XXXX XXXX, CA made false claims that they would provide job prospects and placement upon graduation and sold high cost loans to pay for that false hope then harassed me for overdue debts while I was in school. The school never intended to extend classes to allow me to finish my educational program. I made several attempts to continue classes but the school never complied. This was negligent on the school. I did not get the opportunity to finish school, so I was never allowed to get job placement. I filed for discharge on the loan based on False Certification Ability to benefit and I am in legal pursuit for debt forgiveness by defraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Using a debit or ATM card

Complaint: ON XXXX I WAS CHARGE {$14.00} FOR A FREE MOVIE. THE MANAGER STATED THEY DO N'T DO REFUNDS AFTER YOU LEAVE THE ESTABLISHMENT. I HAVE PROVIDED THE DOCUMENT EMAIL. ON XXXX/XXXX/2016 I WAS CHARGE {$21.00} FOR FOOD. XXXX WHO SWIPED THE CARD HANDLE IT INCORRECTLY. THE AMOUNT WAS SUPPOSED TO BE {$18.00}. WHEN I CAME TO THE ESTABLISHMENT. I WAS SUPPOSED TO GET A CREDIT FOR {$21.00} NOT BE CHARGED {$21.00}. ON XXXX/XXXX/2016 MY CARD WAS TYPED IN FOR {$15.00} FROM XXXX. PLEASE NOT I 'M DISPUTING THAT TRANSACTION.

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 01/29/2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: CENTRAL FINL CONTROL ACCOUNT NUMBER : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify CENTRAL FINL CONTROLor any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Using a debit or ATM card

Complaint: I owned a Chase debit card that was fraudulently stolen and used for purchases at several retail stores in XXXX XXXX. I attempted to work with Chase but their independent review led them to believe that I was the one making the purchases even though I submit proof that I was in XXXX XXXX at the time of the purchases. Chase then took over XXXX dollars that was in my personal and joint accounts. This has been ongoing since XX/XX/XXXX with a final determination coming in XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXXXXXX XXXX XXXX amount {$710.00} XXXX NEW JERSEY XXXX XXXX amount {$180.00} XXXX XXXX XXXX amount {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.

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 04/30/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (VA).
Issue: Managing the loan or lease

Complaint: Due to inconsistencies in the amount owed that I was told by M & T Bank and the amount that was reported to the credit reporting agencies, I was advised to write a good will letter in order to address the issue and request the negative entry be removed from my credit report all together. I had a vehicle that was stolen and it was declared a total loss by insurance company. The insurance company and the GAP insurancw companypaid the outstanding balance of the loan, but I was told by M & T Bank that there was still a balance due on the loan. In good faith, without having received any proof as to why there was still a balance, I made a partial payment towards the remaining debt. I then sent the goodwill letter still offering to pay the remainder of the debt, but in exchange for the removal of the negative entry on my credit report. At one point, in XXXX 2015, per my credit monitoring agency, it showed a delinquent balance of {$0.00}, but when I checked my credit report again on XXXX XXXX 2015, there was a delinquent balance of {$1400.00}. The monies from the GAP insurance and my insurance company has been paid, M & T Bank says that I still owe {$620.00}, of which {$210.00} has already been paid. I contacted M & T Bank via return receipt mail, but I have not been given the courtesy of a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Late fee

Complaint: I was charged a late fee by JcPenney MasterCard even though paid more than the required minimum payment of {$98.00} during the XX/XX/XXXX/XX/XX/XXXX billing cycle. 
The fee was credited but only after speaking with XXXX customer sservice reps and was then told I would still be required to paythe XXXX minimum payment of {$180.00} to satisfy my obligationon or before the next months payment due date of XXXX XXXX. 
This is highly unfair as : 1-My minimum payment for the previous momonth was satisfied and 2-I paid more than the required minimumpayment and 3-JcPenney believed my point to be valid asevidenced by the removal of the {$35.00} late fee to my account. 
I have written a letter to JcPenney about my dissatisfactionwith this incident, which I believe to be deceitful and unfair totheir credit customers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX ,  2017  at  XXXX , central time, I sent a multiple inquiry dispute letter to Equif ax to  dispute  XXXX  hard inquiries that was being report. Equifax received the letter  XXXX   XXXX ,    2017  and complete the process on  XXXX   XXXX ,  2017 ! How can Equifax complete a thorough investigation by contacting all  XXXX  companies, getting their paperwork WITH MY signature, because I have n't applied for credit, employment, or insurance and make a decision  in ONE DAY? I received the same response for all  XXXX  hard inquires, which was, " inquiries are a factual record of files access.   If you believe it 's unauthorized contact the creditor. '' According to the FCRA rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do n't investigate and respond the credit reporting agency,  which is Equifax, must remove the disputed information from it 's files. The fact that Equifax came to a conclusion a day later, one can only assume that their was no investigation to any of these  XXXX  hard inquires. I will upload supporting documents below showing the date when the dispute was received and the letter from Equifax with the date the lack of investigation was completed.

Company response to consumer: Closed with explanation