milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/14/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. 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 be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient put me on a interest reduction program. Once I was put on the interest reduction program they would forgive my loans after 5 years. After a year I had to go through a whole financial statement again. That the 5 year forgiveness program was not true. Every time I talked to them they would send me over to someone that had no idea what was going on with my student loan. The notes that they had on their end was never correct and would never have the person I talked to last in my file. The last person I talked to was going to look into my account as to why the program I was on shows that the amount should of been less and I never have heard from anyone since. I 've asked to have forms sent to me to show what I have paid on my loans and I have not received anything yet. I am just paying for them and nothing is going down. The interest rate is crazy and it keeps getting higher. 

They call me about 5 times a day and one time I had a voicemail threaten me that I need to call them back or they would find me. That some something that a person that has gone to school for and trying to get a job should not have to go through. Graduating at the time i did and the economy crashed was very difficult. 
They are not easy people to talk to! When I called I was put on hold for about 45 minutes before someone was finally on the phone with me. They had to transfer me to 4 different department and tell them all my information again. 
I have been paying my loans for 4 years on this program and my credit is so bad. I have asked to see what I can do to fix my credit and no one was able to help me. I ca n't even go on with my life and buy a house because my credit is so bad. Going to college and further my education was suppose to help me in my future and I am failing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a XXXX, cancellation of debt, form from Macy 's in XXXX 2017. Stating that the debt in the amount of {$750.00} has been discharged. I contacted XXXX 's and they explained the form so I offered to pay it and they stated that they can not accept payment due to the statue of limitations and them writing off the debt with the IRS. I then pulled my credit report and noticed that the amount and past due amount was listed {$1000.00} on all three credit bureaus. This is incorrect due to it 's either {$750.00} or {$0.00} due to the attached form which clearly states cancellation of debt. I disputed this item with all three bureaus and they stated the information was verified by Macy's/Citi. I then called them again and it seems that I keep getting the run around. This item is still on my credit reports as of today. I called Macy's/Citi and spoke to representative number XXXX and she stated the same thing that the rep stated in XX/XX/XXXX. So my point is if you wo n't accept payment because you received tax incentive and it is past the statue of limitations, take the balance to {$0.00} or delete it. This has really affected me. The FCRA states that the creditor is responsible for accurately reporting to a credit reporting agency or they must pay. Macy 's is breaking the law by inaccurately 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 explanation
Consumer complaint received 01/27/2018 about Debt collection (Other debt) with Experian Information Solutions Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: University XXXX XXXX reported a charge to the credit bureaus but failed to send signed contacts and documentation when i requested it. They school emailed me a statement validating that i was once a student there however they did not validate the right to report the debt and a signed contract was not sent. I have paid in full invoices from the school in my records.

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 06-08-2016 about Debt collection (Medical) with Arcadia Holdings, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: they 've been calling me for four mounths. I tried to cooperate and pay with them as long as they are legitimate company, First 2months i had no idea, so i asked them to wait me to figure it out from originally generated debt company. they didn ; t let me and pushed me to pay over the phone right away, also i asked them to talk in paper as well but i havent got any paper so far. 
AND i found CFPB to get some information to take care of it today the guy named XXXX XXXX call me and i asked company info, address, and lisence number. 
He REFUSED it BUT he has my information ( dob.address.and so on ) I don ; t want them to call me and get rid of my info thank

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 10/30/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.

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 07-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Advertising and marketing

Complaint: I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Closing/Cancelling account

Complaint: I settled with American Express on a balance owed in XX/XX/2014 through the services of a debt solution program. However, the charge still shows up as " Charge-Off '' on my credit report. Actually, it pops back up every month as a " Charge-Off '' which makes it seems like a new item/issue. The original balance on the card was {$1600.00}. It was settled for {$510.00}. Strangely enough, the Charge-Off amount equals {$1100.00} ; which is actually the amount owed {$1600.00} minus the amount settled {$510.00} ... 

I have attached a copy of my credit report, the agreement between the debt solution group and the AMEX Collection Group, and copies of the checks used to settle all three AMEX accounts, including the one in my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Never ever have I had XXXX in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: HSBC Mortgage Services, XXXX FL XXXX, Phone : XXXX ( Customer Care ) Loan single point contact person : XXXXWe have been attempting to secure a refinance of our home mortgage with another lender. HSBC has to provide the new lender underwriting department a letter regarding one aspect of our loan. They do not answer phone or faxed requests. When the occasion occurs that we actually do speak to a person they 'are n't sure ' or may or may not be able to help. These repeated requests have come from both ourselves and the new lender without response. They are obstructing our freedom to find a new lender to refinance at a better interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX XXXX XXXX XXXX # XXXX .... because it does not belong to me. Experian claims they verified this information to be correct and because of that they locked me out where I can continue to dispute this account online. I would be impossible to verify this account because it does not belong to me. I called XXXX XXXX XXXX XXXX and they have no record of me. Please remove this 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 10/13/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My first complaint regarding my short sale that has been going on since XX/XX/XXXX, still has not been resolved. The file has repeatedly been sent back to the same departments time after time for 3 years. I have delivered every document in a timely fashion as requested. Now I am on my 3rd extension with the IRS to release their lien, which by the way will expire on XX/XX/XXXX. Which I also placed Wells Fargo on notice. Wells Fargo forced my Client to complete a full blown appraisal, XX/XX/XXXX, at her expense, now I am told a new Price Opinion needs completed, then the file gets moved to Cash Flow review, then from there it goes to a negotiator. This is beyond professional, there is no way these repeated events have assisted my Client in attempting to do the right thing, and continue to maintain the property, and keep the home from Foreclosure. With this being said, financial documents will expired, and the process will start all over again. There has to be an individual who can step in and get the job done. Instead of passing the file to these individuals whom ca n't seem to recognize what a deadline is after years of frustration, I keep getting the same answers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a Lowes CC through Syncrony Bank. I paid off my account on the due date of XX/XX/XXXX They assessed a late fee on XX/XX/XXXX a day before it was late. They said it would be reversed when the payment posts, but in my opinion I should not have been assessed a fee until XX/XX/XXXX at least. Also, if it takes them 24-48 hours to post the payment, the fee should not be assessed until they get payments posted for that day. I paid online through their website so they knew about the payment when I called them. This is heavy handed unfair practice and makes me feel like I am required to pay before the bill is actually due.

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 02/17/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Sears card billing was sold or transferred to Citibank collection They called over 10 time in one day. The problem is that they sent the bill to a XXXX XXXX XXXX this has happen about six time in past and they have billed me four times the amount of what is the monthly payment {$4300.00} which I have been paying on time for over 12 years or more with the same address for billing for over 12 years. They changed the address to be able to collect late charges it has happen so many time before and I have paid the late charges. This is a crime with all the intent to defraud the consumer .I have spoken to them and asked why did they Sears or Citibank change my address without my permission. My address for the last 12 years has been XXXX XXXX XXXX XXXX Florida XXXX same phone number XXXX XXXX which has been in their files for over 12 years. I am asking for an Federal Investigation and a Postal inspectors for mail Fraud using the US Mail service to commit a Crime. This problem I am sure is happing to other consumer we need and demand you to Investigate this matter.My husband is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Our mortgage for XXXX XXXX is not being reported on our credit report and is adversely affecting our credit scores and causing us to receive higher interest rates on credit cards and car loans. We have previously reported the issue with CFPB complaint number XXXX and this problem needs to be fixed. According to XXXX XXXX customer service they are reporting to the following credit reporting agencies : XXXX, XXXX, Experian and XXXX XXXX but our mortgage is not on the credit report.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax, through negligent security protocols, allowed a security breach that compromised 134 million customer reports including social security numbers, addresses, and even drivers license numbers.
Equifax did not disclose the breach for almost two months, and the website they created for searching your personal information is vulnerable.
In addition, Equifax created terms of service for their " free '' credit monitoring program that forces affected customer to waive their rights to damage claims.
The lack of transparency, poorly designed response, and diabolical waiver of rights buried in their TOS is unconscionable.
There is currently no viable process in place to freeze or put a hold on credit inquiries or unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted my normal mortgage payment to US Bank, and discovered that they are now charging a {$5.00} fee ( NOT a late fee ) if you pay online after the XXXX, but before the late date of the XXXX. I usually pay before the XXXX so never noticed it, but this was on the XXXX or so. I wrote and asked them why there was a fee. I received a message back that this started after XXXX possibly, was NOT a late fee, and would be charged to online payments if you do not pay on or before the XXXX of the month. This seems very strange to me and punitive. I always pay extra on my loan and am now donating {$5.00} of that to US Bank for no reason, which is unsettling.

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 11-08-2016 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have repeatedly requested that Cavalry Portfolio Services provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation