milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for bankruptcy many years ago. I keep getting letters in the mail telling me about debt collection methods, but to ignore if I filed for bankruptcy and the discharge was in bankruptcy. It was in my bankruptcy, why do I keep getting these letters?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC has not sent me Loan Statements for XXXX loans I have with them on XXXX rental properties for since XXXX, 2012. I am in Chapter XXXX Bankruptcy to modify these loans. The modification plan was approved by the Court in XXXX 2012. I have no idea if they have modified these loans, what my payments are ( I guess at what they are by what the P & I payment is supposed to be plus what the Escrow amounts are ). They say their policy is not to send out any statements while in Bankruptcy, but I ca n't be released from Bankruptcy until I can show the Court they have complied with the approved Plan. This is costing me money as well as my Credit. Numerous calls to them have them telling that they ca n't send me anything. Even a Letter from my lawyer in XXXX of this year has been ignored. How can I force them to send me a statement? I thought it was the Law to send out statements.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX called me at work, since I am unable to take personal calls, I disconnected the call. They then called back and must of asked for a manager. I then got a call from him telling me this company called and gave him a phone number and case id and that I needed to call them because they were trying to serve me a court summons. I called them back after work, but since I had already paid the debt off. I informed them of this and told them to stop calling. No calls since then.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Began buying our home in XX/XX/XXXX using Automatic Monthly Mortgage payments via our XXXX XXXX Acct. Home Plaza Mortgage Company began pulling EXCESS payments from our account! They failed to notify us that they were doing so! On XXXX XXXX, XXXX, I discovered these discrepancies, called Home Plaza and was told these were not excessive charges. Calling back on XXXX XXXX XXXX, the staff person acknowledged there appeared to be excessive charges from Plaza, I was told that I would not have to pay our mortgage for several months. I informed them that we want the excessive charges returned to us instead and was told that would be more difficult. I asked for a Supervisor, reaching XXXX XXXX. who advised us to fax a letter stating the above issue and we will receive a reimbursement check within 5-7 days after our fax is recieved. 

My husband XXXX and I do lack trust in this mortgage company now and would greatly appreciate your office looking over our account with Plaza Home Mortgage. 

Additionally we have concerns that the Hazard Insurance that Plaza pulls from our account may also be redundant as well. We believed that our insurance was rolled into our mortgage payments already. 

Thank you in advance for you assistance and protection!! 

Warm regards, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Debt collection (I do not know) with Brumbaugh & Quandahl (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: in the state of Nebraska, XXXX county XX/XX/XXXX, I was sued by Brumbaugh a & quandahl for a debt for a creditor XXXX ( which was sued for illegal debt collection practices ), which they represented. the file number at their office is XXXX. I was unable to pay the debt until XX/XX/XXXX. I contacted their office and they said that they do not have anything to do with this account and told me to send the court in Nebraska the money owed and since they are not associated with this account, they would have to return the negotiable item ( s ) I sent them, which were checks for XXXX and XXXX the full balance XXXX, according to the XXXX county clerk office. I sent the court the checks as instructed and the XXXX county court verified they received them. however I never received the original checks I sent them or anyother form of reimbursement. I received a notice from the firm dated XX/XX/XXXX stating they now wish to settle this amount after they were supposed to send me my original checks back. I contacted their office in XX/XX/XXXX to ask where were the funds that I sent them to resolved this matter and they stated that they returned them to me, but I never received anything. Since I did not trust them, I stopped payment on the check on XX/XX/XXXX. i do not owe this amount anymore and their tactics should constitute a an illegal practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Vehicle loan or lease (Loan) with AMERICAN HONDA FINANCE CORP (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I bought a new car from XXXX XXXX in XXXX Kentucky on the date of XX/XX/XXXX. It is XX/XX/XXXX and as I was reviewing my statements, I found out the interest charged for the first payment was out of line with other months so I went on to create amortization schedule and verify if I was paying the correct interest and principal. 

I used the unpaid principal balance, numbers of period, and the interest rate on the installment sales contract to calculate the monthly payment that I should pay, as it turned out, I've been paying a higher amount than I should. Although the difference in payment is immaterial for the amortization term, I would still like to notify the company of this error and get it corrected. 

I called Honda Financial Services and explained the situation but they said I would have to talk to the dealer about it. Then I called XXXX XXXX and talked to a guy about the issue at the finance department. He looked into the issue and he told me the difference in the payment on my bill and the payment I calculated came from the extra days of accrued interest that added to the unpaid principal balance before I made the first installment. I was confused and it doesn't seem like he was really trying to help as he kept telling me I need to talk to XXXX XXXX as this is an interest rate question. I thought the conversation was going nowhere and I ended the talk. 

So my loan amount is {$19000.00}, amortize for 72 months at 1.9 %. I calculated the monthly payment amount to be {$280.00}, however I am paying {$280.00}. To back out the present value of the unpaid principal using {$280.00}, I get {$19000.00}, a {$15.00} difference in unpaid principal balance, I don't know where it came from and the dealership doesn't have an answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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 have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.

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 04/15/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter dated XXXX stating because my loan was paid on time, I qualified for a recast that would lower my monthly payment and was totake effect on my XXXX XXXX payment. I have been working to resolve theissue and have spent 39 hours on the phone over 11 days. Nationstarhas not made any adjustments and/or provided the correct documentsregarding my recast. I received paperwork that was incorrect and did n't nnot reflect the amount quoted. Ive tried to resolve and work with themregarding the issue but can not find anyone with the knowledge to assistme. I was forced into paying the higher mortgage amount for XXXX with having written documentation that I would not have too.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This complaint is in regards to the massive breach in the personal data of millions of people due to the willful negligence of Equifax. 

I ca n't bring up the dispute with Equifax because if I use their website to find out if I have been affected by the data breach, I am giving up my right to sue. 

Equifax may or may not have lost my credit data, SSN, and other personal information. From what I have heard, the corporation was willfully negligent in the way they stored, processed, and transferred the personal information of millions of people. I have heard several first hand accounts of those working at Equifax to back up my claims. 

I am fearful that my identity will be stolen, my credit score damaged, and my personal information used against me or sold to those who will only use it to harm me. This fear will live with me for the rest of my life as there is no way to recover my information or know who has possession of it now or at any time in the future. 

The top executives at Equifax however have nothing to worry about as they sold off millions of dollars worth of company stock after they were aware of the problem, a month before they informed the public. When they decided to inform the public, it was on the eave of Hurricane Irma causing destruction. This timing of the announcement only goes to further demonstrate the willful negligence of Equifax as is is obvious the company did not want to receive much attention from their announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Credit card) with DISCOVER BANK (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I. XXXX Law Firm/Attorney 's ) sent me a letter dated XX/XX/XXXXstating 1 ) they had been retained by INSERT ORIGINAL LENDER, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked XXXX XXXX XXXX FIRM/ATTORNEY 'S to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX ATTORNEY 'S on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by XXXX XXXX XXXX FIRM/ATTORNEY 'S regarding this matter. 

Go here and file a complaint against the law firm after you. 

ISSUE : This firm stated they were retained by Small Claim XXXX, That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX XXXX XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: USAA Bank closed my account mid XXXX. I owed them some overdraft & since I had n't opened another account with another bank yet, with my first pay, I decided to send part of my direct deposit of about {$89.00} to cover what I owed them. I called few days later, early XX/XX/XXXX, & USAA informed me they received the money & after spending over an hour on the phone with them, they informed me my check will be sent to my updated address & I would receive it within 7-10 bussiness days. I waited. 7 days later I received their fliers, no check. 30 days later, I called them again, I spent about an hour being transferred with absolutely no resolution. They said they sent the check & I should be patient & give it time. I waited, I continued to receive fliers & advertisement stuff, no check. I called them in XX/XX/XXXX, I hang up for being put on hold for over 10 min bc I was at work. I called them in XXXX after I moved to update my address & follow up on the check. Once again, I was on the line with them for over an hour. I was transferred & sometimes had to wait on hold for so long. Finally they told me that my check was returned to them in XX/XX/XXXX. I asked why & they did n't know why. I received everything else they sent but the check. I called them twice before & no one told me this. So then I had to wait longer on the phone for them to send me another check. They said I would receive it within 7-10 business days. 10 business days ended on XX/XX/XXXX. I called them first week of XXXX, they told me, it could be held up somewhere to continue to wait. Once again, I 've received their fliers & stuff & no check. I contacted them again but had to hang up after being put on hold for over 10min. I had explained to them I could n't hold for long since I was at work. While I had a good relationship with USAA as a customer, this experience has completely has changed my opinion of them. Please help me get my few extra funds back as this is the only way I will receive them. Its been almost a year & all I get from USAA are nothing but waste of time on the phone and lies. Why I continue to receive their advertisement fliers but not my check is beyond me. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: XXXX  separate hard inquiries have appeared on my experian credit report. I believe there have also been  XXXX  on my equifax report but  XXXX  have been removed. All of these have been from Amazon/C hase for Amazon c redit cards. My husband and I started receiving them about the same time just a few months after refinancing our home. After conta cting Chase af ter I believe the  XXXX  inquiry, they stated they would remove the inquiries from my credit reports but they have not done so. The inquiries were on  X/XX/XX ,   X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/XX ,  X/X ,  X/X ,  XX/X/XX ,  and  XX/XX/XX .   Below, I am noting below I have contacted the company but not for the most recent date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-01-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is no business record under XXXX XXXX XXXX. There are however many complaints against this company who is now going by the name of Choice Recovery with an address of XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX. This company has falsely reported to XXXX that I have a medical account in collection status all in attempts to manipulate money out of me. Since I have no knowledge of their claims I requested a transaction history from our local hospital as well as a transaction history from their billing agency. There are absolutely no records of an outstanding medical bill and neither is there a record of a visit during the timeframe Choice Recovery reported to XXXX. This company has caused the same and similar problems with other consumers. Reference XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (Other debt) with Reliant Capital Solutions, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I discovered a lien on my credit and after calling around for hours was able to find out that it was levied by the State of Ohio due to issues with filing in 2014. Reliant Capital Solutions was supposedly employed by the state to collect on this debt. Reliant Capital Solutions refuses to acknowledge that I have worked with the State of Ohio to resolve this issue and insists that I owe over {$2000.00}! In actuality, the State owes me {$160.00} for tax year 2014. XXXX ( refuses to give last name ) at Reliant treats me extremely poorly and refuses to acknowledge that I do not owe monies to the state. His only concern is when will I send him a check in excess of {$2000.00} to remedy the debt ( which I do n't even owe ). Please check with the BBB and run a XXXX reviews search to see dozens, if not hundreds of similar complaints. I believe reliant is a fraudulent company and they should be investigated. I guarantee they are breaking laws and praying on innocent people who do n't know better than to contest the claims of this company. Please investigate them and put and end to this extortion! ( I have attached copies of my 2014 XXXX and state tax filing to confirm my report. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: I was refinancing my home from XXXX lines of equity into XXXX fixed rate loan. I contacted a loan officer with Wells Fargo that gave me extremely poor customer service. This customer service has been documented as I was eventually contacted by another employee that was able to assist. The customer service issue took a month away from getting my application completed and submitted. This was a time sensitive matter for me because my maturation date was approaching and I just gained employment in XXXX of 2014. The application was submitted in XXXX of 2014. Closing was not until XXXX 2014. Almost 5 months to close on a loan with an existing customer. During the approval process the loans matured in XXXX of 2014. My credit score went from an XXXX to a XXXX. After closing I was instructed to contact Wells Fargo Mortgage and seek assistance to correct credit score. They would not assist me in the correction so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NH).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Unfair, deceptive, and abusive practices. Changing corporate policy with clear political agenda.

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