milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXXINDIRECT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX via AXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX INDIRECT XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX XXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XXXXXX/XX/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 non-monetary relief
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.

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 07-09-2017 about Debt collection (Medical debt) with CCS Financial Services, Inc. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collection company is reporting an incorrect " date opened '' of the initial debt, which is in violation of the FCRA 623 ( a ) ( 5 ) ( A ). The first collection attempt from the ambulance company was XXXX XXXX. It was then transferred to an initial collection agency in XXXX, and has been reported incorrectly ever since. I have notified the associated collection agencies numerous times via direct complaint from my credit reports.
Not to mention the fact that I submitted a dispute and the collection agency took over 30 days to respond.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AZ).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, 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 03-01-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Trouble during payment process

Complaint: I have my taxes escrowed through Mr. Cooper. I received a notice in XX/XX/XXXX that my XXXX School District tax was not paid, which was {$3700.00} but had a late fee added so it {$3800.00}. I called their customer service line and was asked to fax the notice and I did that on XX/XX/XXXX. I also explained that XXXX SD uses a tax collector which is on the notice and they must send the payment there. I made a follow up call to them on XX/XX/XXXX and they informed me that the taxes had been paid and corrected. 

I received another certified letter, dated XX/XX/XXXX, from a debt collection agency called XXXX XXXX XXXX stating that my XXXX School district taxes were not paid. I called Mr. Cooper 's customer service number again on XX/XX/XXXX and was transferred to a supervisor this time. She asked me to email her the notice and said she would handle it and that they would be responsible for the delinquency fee. I explained that the payment must now go to the debt collector, XXXX XXXX XXXX, which is detailed in the certified letter. As of today, XX/XX/XXXX, XXXX XXXX XXXX is stating that they have not been paid yet. Mr. Cooper, however, did deduct a second payment out of my escrow which includes the delinquency fee. When I spoke with the same Supervisor today she stated that they could not see where the money actually went. Their system does not allow them to access that and that I would only get my previous dollars which were deducted from escrow back if they can get the erroneous payment returned to them. They still do not even know where they sent the money. 

I now have two deductions from my escrow account and they can not explain where either dollar amount went. One is for {$3700.00} on XX/XX/XXXX and the other is on XX/XX/XXXX for {$3800.00} and my escrow balance is reading {$0.00}. 

I believe that they should have called all of the tax entities involved with my escrow or requested the documents form me and made sure the appropriate places were paid. Once they received notice of their error, they should have corrected it out of their own pocket and not out of my escrow account. 

I receive another notice, dated XX/XX/XXXX, that my tax to XXXX County was not paid in XXXX. The original amount was XXXX and it is now XXXX due to a late fee. This notice was particularly concerning to me because it states that if the tax is not paid by XX/XX/XXXX they can place my house for an upset sale to collect their money. informed the Customer Service Supervisor of this when I talked with her today. She asked me to email it to her and I just sent it to her.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MI).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, XXXX, I purchased a car from XXXX XXXX in XXXX, Arizona. The car was financed through Americredit Financial. I fell behind on the payments when my mother became stricken with XXXX and it was subsequently repossessed by Americredit in XXXX XXXX. The repossession was unlawful due to threats of violence and abuse to myself and my family by the repossession agent, which constitutes a breach of peace. At some point, GM Financial purchased Americredit and began reporting the original loan and deficiency balance on my credit report. For the great part of the last year, I have contacted both GM Financial and the credit bureaus to have the incorrect reporting of the account corrected. GM Financial continually refuses to correct the reporting despite my multiple requests directly to them and my multiple disputes with the credit bureaus. GM Financial continously verifies the information as accurate to the credit bureaus even though it is clearly not accurate. Currently, the account is not reporting the correct loan term and the monthly reporting is inconsistent between the XXXX and XXXX reports. The account was subsequently deleted by GM Financial from my XXXX report last year. How is it possible that GM Financial can continually verify an account as accurate to the credit bureau when the account is reporting differently on each report? 

I am providing the following as proof to support my claims : 1 ) original contract with Americredit reflecting the terms of the account to be 60 months. It is currently being reported as 65 months by GM Financial, thus aging the account further. 
2 ) Screen shots of the account as they currently display on my credit report showing different payment histories and status. 
3 ) Email correspondence between myself and XXXX XXXX from GM Financial showing I provided her with documentation showing the account was not reporting properly then and her refusal to address the issue. 
4 ) Email correspondence from myself to XXXX XXXX, CEO of GM Financial to bring attention to the continuous reporting errors and the wrongful repossession. 
5 ) Mail correspondence from XXXX XXXX from GM Financial, again asserting that GM Financial is properly reporting the account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : Navient, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Trans Union refuses to make the adjustment.

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 04-04-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX my home at XXXX XXXX XXXX XXXX XXXX, NY, suffered catastrophic water damage from a leaky pipe. We filed an insurance claim with XXXX and received payment. As per the terms of our mortgage ( METLIFE ), the check was written out to us and the mortgage company. We hired a contractor ( XXXX XXXX, XXXX XXXX ) to repair the damages ( check was written out to me and XXXX XXXX ). Fast forward 2 years, the contractor quit owing us at least {$40000.00} and the home maybe XXXX completed. We successfully sued him in court, but our new mortgage company, JP Morgan Chase who purchased our loan in XX/XX/XXXX refuses to pay us any money from our restricted escrow account, despite being provided all the documents from the lawsuit. They claim that we can not access the money because we have not met the terms of building completion and that we sued the contractor and proceeds are payable only to us. Because of the lengthy law suit and lack of progress on the home ( the structure needs to be torn down and rebuilt because it will not pass building code ) our insurance carrier ( XXXX ) has given us 1 year to complete repairs which expires XXXX XXXX. I have contacted XXXX insurance providers and all said that they will not cover us due to pre-existing conditions. We can not tear down the home and rebuild because the loan conditions exceed what is financially acceptable. Only loan available to us in this situation is a new construction loan, where the money borrowed would be rolled into our current loan. We have {$55000.00} in escrow, including the depreciation which we were able to have our insurance provider ( XXXX ) forward to our mortgage holder ( JP Morgan Chase ). We have tried to work with our mortgage holder repeatedly to access the money in restricted escrow, but all we keep facing is roadblock after roadblock. They cancel inspections, ask for additional paperwork which we provide, and will not engage with us concerning this matter. I specifically ask to have " management '' return my calls so we can discuss the case, but I only get an insurance representative who knows nothing about my case except what they read in the account notes. I feel like they want us to default on the mortgage so they get the property plus the restricted escrow and the interest. 
**Of note, we have put a considerable amount of money into the home to make it weather proof - paid to complete the XXXX floor so the roof tresses could be installed and a roof put on. It was only after we did this that both a home inspector and a structural engineer found the home rebuild unsatisfactory. The judge did not award us any of this money. We liquidated our IRA, took a loan against our car and wiped out our bank account to finance the repair of our home. We have complied with everything Chase asked us to provide, yet the issue remains moot.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: For the past month or so I have been harassed by Navient XXXX XXXX XXXX via e-mail, phone and text messaging. I get at least 3 calls a day from both automated systems and regular people stating that my loans are past due when they are not. I called Navient two weeks ago and I was told that it was a glitch in the system and that it would be corrected within 24 hours. It has not. I called again today and XXXX XXXX verified my accounts and told me that everything looked up to date and again blamed it on a glitch in the system. I have emailed and asked them to stop and I receive an automated response asking me to call them. This is unacceptable, Navient is a joke!

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I checked my credit on credit karma and it said that I had a new inquiry. I havent tried to get an inquiry since I purchased my bed in XXXX. Credit karma says its syncb/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 05-11-2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Account opening, closing, or management

Complaint: I had an insured money director account in XXXX Bank of New York. 
I used it to pay some bills. In XXXX XXXX i sent a check to XXXX XXXX that was returned in XXXX XXXX with a legend : Return reason-e : unable to locate acct. 
Since then i have trying to get in contact with them but had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX student loans with Chase. The monthly payment was around {$500.00}. I made a lump sum payment on XXXX of the loans. I did not request that my monthly deduction/payment be reduced. Chase automatically reduced my monthly deduction/payment from my checking account without my consent and I ( and may be others ) are now having to bear a higher interest cost as a result. The servicer will not increase my amount back up without submitting a signed request. Seems unfair that the reduction in paying towards principal happens automatically but restoring it back to the higher amount so that more is paid against the principal is harder.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage service company Bayview Loan Servicing LLC that currently services my mortgage has and is collecting more escrow each month than is necessary. They also have an excess balance in my escrow account that they should refund to us. This issue began with a reduction in our property tax of {$3700.00}. On XXXX XXXX, I sent a letter to Bayview with a copy of the tax bill ( attached ) showing the reduced payment of {$3700.00}, but Bayview had already paid the full amount of the tax {$7400.00}. In addition to the refund Bayview did not decrease the amount of the monthly escrow impound, which added to the excess in our escrow account. 

On XXXX XXXX we received a form letter from Bayview that they received our inquiry and that we would receive a reply. On XXXX XXXX The Town of XXXX refunded the tax overpayment of {$3700.00} to Bayview. On XXXX XXXX at XXXX I called Bayview and spoke to a rep named XXXX . XXXX informed my that Bayview had still not posted the tax refund to our account, but that she would order an escrow anylysis. On XXXX XXXX we received a check for {$2600.00} from Bayview indicating it was an overage refund, but there was no further explanation. On XXXX XXXX I called Bayview and and spoke to another representative and asked for a copy of the escrow analysis, which we finally received on XXXX XXXX dated XXXX/XXXX/15. 

The escrow analysis which is attached does not reflect the refund of {$3700.00} and it assumes a monthly impound rate at the higher monthly tax rate creating an excess of {$6500.00} in the escrow account. I called Bayview again on XXXX XXXX and explained this issue and asked to speak to a supervisor, but got nowhere. I told the rep that unless I received a revised escrow analysis by XXXX XXXX I would report them to the Federal Consumer Financial Protection Bureau. So here we are. 

Bayview should refund the overage in my escrow account of {$6500.00} which represents the tax refund noted above and the overage they have collected from me anticipating a higher property tax. Bavyview should also reduce the monthly escrow impound rate to {$1100.00} per month. Additionally if there 's any opportunity to fine them for keeping my money it should be pursued. I 'm certain that if they are doing this to me ( holding excess escrow ) they are doing the same to others, which is consumer fraud as it appears they are using customer money to finance other activities. Otherwise why make it so difficult for a customer to get resolution of an issue? Lastly I have always been concerned that Bayview identifies itself on the phone as a debt collector, not a mortgage servicer. I would like to understand just what regulatory agency they operate under? 

Bayview

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I disputed this collection account with all three credit bureaus multiple times the latest date being XX/X/2017. I have a collection account for the amount of {$180.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.  Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.

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