milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: HiMy name is XXXX XXXX on the XXXX of XXXX I received a call from XXXX XXXXTelling me that I could n't not refinance my house with them because XXXX had reported a XXXX on my credit. I call them on the XXXX try to dispute my XXXX my cause I thought that I had paid my final balance with them with it was very small between XXXX to XXXX dollars. I when I head and paid to total balance that had jump up to XXXX dollars. I ask them to please removed the XXXX and they told there was not mistake I asked them why dint costumer services send me a letter or a call. Well that had my wrong information I went ahead and updated now they are telling me that they had the right information and that I sing up fire statements y told that was a mistake. They dont want to accept that they made a mistake, I could no long refinance my house I explain to them that I was trying to do this to keep be able to keep up with my mortgage. Please help us as consumers we have no protection against all this big scan comp.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm reporting on ATG Credit. This firm claims to be collecting on a medical debt. They claim it was with XXXX XXXX XXXX. I asked for verification because I never heard of them. They said that was my responsibility. I also explained if I did owe this debt I had just lost everything, First my health, XXXX. My home was lost due to my health ... They said and I quote " I do n't care about you just if your going to pay your bill ''. Then he added " I will write you refuse to pay your bill down on the comments ''. I said please do n't I do n't refuse I just want verification that I actually owe it. Then he hung up on me. I called back to try to work something out and they said " you went to this hospital and they gave you care to feel better, why wo n't you pay your bill? '' I responded that I 'm now XXXX and finding it difficult to make ends meet. He said " I pay my bills why do n't you pay yours? ". I was literally in tears now. I was never given any proof or a right to dispute notice or anything. I 'm sick, and doing the best I can despite my situation, how dare these dirt bags make such comments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... XXXX & EXPERIAN. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & Experian remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. 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 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. 

Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/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 explanation
Consumer complaint received 08-01-2017 about Debt collection (I do not know) with Clear Debt Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: starting in the beginning of XX/XX/XXXX I started receiving calls from CDR assc. about some kind of debt, i asked what kind of debt and they respond with they need my SSN # to proceed, i told them i was not going to give that information out over the phone and send me in writing a copy of the debt they were trying to collect. as of this date they have n't sent anything and called two times a day both on cell and house  phones, saying they were going to contact my employer as well. I have no idea about this company as XXXX serch reveals nothing. The number they are callinf from is an XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.

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 12/13/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: FROM THE LAST CFPB RESPONSE BY NATIONSTAR " Unless there is new and material information that has not been provided to Nationstar Mortgage for investigation, Nationstar Mortgage considers this matter resolved. '' WE PROVIDED NEW EVIDENCE WHICH THEY IGNORED ... BUT WE WILL LIMIT THIS COMPLAINT TO THESE FOLLOW UP QUESTIONS ~ Nationstar admitted loan origination fraud, loan servicing fraud, embezzlement and more ... when did these acts become legal for your company? 

Nationstar has repeatedly claimed to be the Federal Government/FNMA while hiding their identity from people seeking legal recourse ... when did this become legal for your company? 

Nationstar is intentionally defrauding consumers and the US Federal Government using fraud ... .when did these acts become legal for your company? 

Please note ... the rest of us have no waiver for these laws, can I get a copy of your criminal and civil law exemption? 

PLEASE NOTE THAT NATIONSTAR HAS CONFRIMED THESE CRIMES HAVE OCCURRED ... THEY ARE NOT ALLEGATIONS ... THE COVER UP AND CLAIMS OF NO WRONGDOING AFTER CONFRIMING THE CRIME EXPOSED A COMPLEX, WELL ORGANIZED, CRIMINAL AND CIVIL RACKET ... A RACKETEERING SCAM PROSECUTABLE UNDER RICO ( The Racketeer Influenced and Corrupt Organizations Act, commonly referred to as the RICO Act or simply RICO )

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with 1st Capital Mortgage, LLC (OK).
Issue: Credit decision / Underwriting

Complaint: We started the process of getting our Home Loan with XXXX XX/XX/XXXX, and were pre-approved with paperwork in to the underwrite by XXXX. We were told it would take 7 or 8 days to hear back from the underwriter. During this process, we sold our house under the confidence from XXXX that we had a loan to buy a new home. After constant asking, calling, and texting XXXX, as well as our realtor trying to get any info from them, we were told XX/XX/XXXX that we were not approved due to me having a part time job. This is 3 days before we were to close on our old house, and were supposed to close on the new house, and also 24 days after it went in to underwriting. This is well beyond the 7 or 8 days we were told. We came to find out that XXXX underwriters were fired, however, that does in no way make up for lack of communication with us. After speaking with XXXX to figure out a solution, we were told on XX/XX/XXXX they would make an exception for my job. We gathered paperwork up nearly daily as soon as we were asked for it, because now we were homeless and needing to complete the process. Instead of giving us all the conditions at once, they wasted time by adding a new item here and there. After another couple of weeks with little communication yet again and us having to postpone closing twice now, along with the seller getting upset that they were not communicating because it affected them, we were told no loan approval. Now we are out for 2 weeks of hotel costs, having to store our belongings and spending nearly XXXX dollars on that, and nearly having to eat out every meal. We went with a new lender and signed disclosures day 1, it went in to underwriting on day 2 ( friday ), out of underwriting that Monday, and told we were officially closing on Wednesday and we closed XX/XX/XXXX. The stress and financial burden caused by there lack of communication and lack of professionalism was unacceptable. I have sent the manager XXXX emails now and have not been responded too at all. I was asking for financial reimbursement and am now being ignored. I know his email works because he responded to our realtor about something different and he also texted me about something different as well. I want to do it in email to have proof of response instead of just verbal. We would like to work this out directly but they are leaving us few choices. We have been suggested small claims court as well by reputable people, but we were first told to try and go through Consumer Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I had my mortgage bought by Greentree Services XXXX I have an automatic payment plan with my bank that pays my mortgage amount each month and have never missed a payment. I have my bank records showing the payments made each and every month. I received a statement from GreenTree claiming I was in default and demanding the full amount of my mortgage. In addition I have an escrow account and Greentree continues to miss paying my taxes and insurance from my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Chase Mortgage and Chase branch XXXX located on XXXX and XXXX XXXX XXXX Mi XXXX in early XXXX 2015 and on XXXX/XXXX/2015. And asked if I could pay my escrow shortage plus additional funds to reduce my monthly payment amount for the following 12 months. I was advised by Chase Mort rep that as long as the additional funds were submitted by XXXX/XXXX/2015. Then the monthly payment would be reduced as the escrow portion of the payment would not need to be as high. I called Chase Mort on XXXX/XXXX/2015 and spoke to a rep, that advised the previous reps provided incorrect information and that was just too bad. I asked to speak with escalated services and was transferred to XXXX at XXXX ext XXXX and was told I could have a refund of the additional funds paid. I advised I did not want a refund, I want to complete my original request. XXXX advised that there is nothing that can be done to complete my request. I asked if the escrow analysis could be re-ran then have updated payment amount re-disclosed, XXXX advised no, if a new analysis were to be ran it would just create a refund of the over-payment.I asked XXXX to file a formal complaint on my behalf and provide a complaint confirmation number, XXXX stated she could not file a customer complaint but I could fax in a written complaint. I asked if she had a manager that I could speak to she advised her manager is XXXX XXXX, she connected me to voicemail but stated he was unavailable and she did not know when he would be available. I left a message for the manager to call me back, but have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Trouble during payment process

Complaint: I have paid my mortgage down to 78 % and they will not drop my PMI without me paying XXXX for an appraisal. I was told if I paid down 20 % XXXX my PMI would be dropped no one mentioned an appraisal or me having to pay for it. Now they tell me no I have to pay until 2021 before my PMI is dropped. I have over paid each month over 350.00 to get this down. Now I am at 78 % XXXX so I want my PMI dropped. This could be monies used to pay down my house even faster. Bmo Harris said if I paid XXXX for an appraisal they will drop my PMI, why am I being punished for paying sooner. I do n't think this is fair. I was also told if I refinanced at the tune of XXXX they could drop my PMI. They have never said anything about if the appraisal does n't come back with enough value. I am not worried but that should be told to me as I could pay for an appraisal and still have to pay PMI. I feel this is shady.

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 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MD).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: When i was  XXXX   XXXX   XXXX  i applied for a credit card a t TJ Maxxs (  mastercard ). They approved me for the credit card and gave me a near {$5000.00} credit limit. I was only  XXXX   XXXX   XXXX  and had no credit or income. Thoughout the years my parents, without my knowledge, used the card for expenses. The banking statement was sent to my mothers house in  XXXX , i lived in   XXXX   XXXX   at the time for school. I am now  XXXX   XXXX   XXXX  and in law school, the payments they require me to make are extremely high. I can not afford them because i am in school still. I have been doing some research and found that the issuing the credit card cant be given to anyone under  XXXX  without a co-signer and proof of income. When the credit card was issued they never did an income verification nor did they request a co-signer. I want to know how i can close this account without becoming liable for the amount due which is now near {$4000.00}. I have not used this credit card in years, the balance was from negligence of my parents as i stated above.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have contacted NAVIENT several times since they took over my loan. They never would provide me with any other option than an outrageous payment amount. My husband is XXXX XXXX XXXX XXXX and we do not have the funds for child care. I can not work because I do not have anone to care for my children otherwise. I wanted to make payment arrangements but all I was offered was hundreds of dollars a month or 1 lump sum. I paid {$200.00} a while back but nothing ever changed on my account. It has made paying student loans impossible and completely pointless. Why pay when they just take your money!? This company is scandalous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am a XXXX year ( XXXX ) mother of XXXX and my husband has XXXX and XXXX ... I 'm the only person working in my household. These negative credit reporting practice system is affecting my ability to find affordable housing or my family and this may lead to us being homeless. Please, help me resolve this issue. I have disputed negative items on my credit report with Experian at least 5 times in 2016. I believe the Experian Credit Reporting agency is in violation of my civil rights and prejudice against minorities, because no matter how many times I provide evidence I paid my debts they are unwilling to remove the old data from my credit report. They continue to report athat least XXXX accounts as collection or late payments. I resolved and paid many all these creditors. Also, I believe this credit company has illegally used and shared my financial bank statements ( I used to prove accounts paid. ) and sent information to XXXX Collections to aid them in continuing to report inaccurate information. This data was used against me with out my consent.

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 05/22/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: A few months ago, I realized that Citibank had charged me XXXX of dollars each month for payment safeguard, a service I never signed up for, and that the CFPB has called an unfair and deceptive practice. I called and asked to quit the program and said I wanted a refund, and was given a fee adjustment of {$700.00}. Today I realized that even after that, I 've still been incurring monthly payment safeguard charges, and I called Citibank 's payment safeguard office again. ( I spoke to someone whose employee reference number is XXXX, if that 's relevant. ) She told me that the account showed that I had indeed cancelled the service, and she could n't explain why I was still being charged. She said she would put in a request for a refund but that it was n't up to her. This is XXXX of dollars a month. I do n't know what to do.

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 monetary relief
Consumer complaint received 12-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by 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 05-02-2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Trouble during payment process

Complaint: My name is  XXXX   XXXX   XXXX   XXXX , and sadly I have had to file numerous FTC Complaints against my Bank  USAA  XXXX   XXXX   XXXX  . I have had more problems with  USAA  in the last  3-4  years than I have had since I joined when I was   XXXX -years  old. I have had to file complaints ranging from not updating accounts accurately to Credit Card issues that I have never, ever had before! Currently  USAA  via a contracted Mortgaging Company-  XXXX   XXXX    is not taking my monthly Mortgage Payment automatically out of my USAA Checking account on the  XXXX  of every month as I signed up for. I was led to believe that the previous  USAA  contracted Mortgage  Servicing Company ,   XXXX    ( sp ),  was not doing a good job an d USA  A had numerous customer complaints and this is why they switched me to   XXXX   XXXX   I have recently learned, via talking to USAA Mortgage Servicing Agents, that USAA has ab out  4  Mortgage Servicing Companies contracted and I believe  XXXX  is still one. I had no issues with  XXXX , as they took my payment out religiously on the  XXXX  of every month regardless of weekend or holiday. I have talked with everyone at USAA there is to speak with and  XXXX   XXXX  and this issue has never been resolved. All I have ever gotten is excuses, and as of this morning at  XXXX   CST   XXXX   XXXX  has still not processed my Mortgage Payment. I once again called USAA this morning and spoke with a  XXXX  in  USAA Mortgage Department and once again told her USAA nee ded to get this fixed- but have very little hope of that as have already complained enough. Any assistance you can render would be appreciated, as not taking out a Mortgage Payment of over   XXXX dollars  a month, when scheduled makes it difficult to manage ones finances properly. Thank you in advance for any assistance you  may  render in this matter!      XXXX   XXXX   XXXX   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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: REMOVE THE SECURITY FREEZE ITS PREVENTING ME FROM APPLYING FOR CREDIT AND ALSO I CAN NOT REVIEW MY DISPUTES ONLINE WITH XXXX TRANSUNION OR XXXX DUE TO THE SECURITY FREEZE REMOVE IT I DID NOT ASK FOR IT YOU PPL ARE STRESSING ME OUT.

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