milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to safeguard my information and allowed hackers to steal it. They are not victims here but rather bad stewards. When I went to see if I was affected they attempted to wrangle me into an agreement that reduces their liability for this breach. No! I never entered into a business arrangement with Equifax and frankly they have no business making money off my personal information if they can not take the basic steps to safeguard it. I am now obligated to add credit monitoring, fraud alerts, etc. for the remainder of my life. We are talking decades I will have to live with a real concern of my identity being used and causing severe repercussions for me and my family. Does Equifax get this? Should their CEO have his information published in the XXXX XXXX, how would he feel?

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Student loan (Non-federal student loan) with AES/PHEAA (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello, I 'm writing about issues im having with private loans serviced by AES. I have a college degree but unfortunately do to changes in qualifications for careers using my degree ( making it more specific ) I unable to find legitimate work in my field without further schooling, which I ca n't afford. Due to this, I 've been at lower paying jobs that barely account for my living expenses let a lone student loan payments, and more currently I find myself XXXX due to a job falling through. I contacted AES about options to bring me current and lowering my payments to something I can afford but they refused saying I had already used all my options. It makes me so mad, I am willing to pay what I can every month but it does n't matter to them and now XXXX of the XXXX loans of mine they service ( the XXXX cheapest I pay religiously on auto debit ) are slowly creeping towards default and I ca n't do anything about it unless I put my family 's and my own well being at risk. And they do n't care, Unwilling to consider people 's situations and work with them, and fail to offer any real guidence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: I took a friend to wellsfargo bank to open an account, during that process I went out side to take a phone call, during that time the bank manager ask me friend all kinds of inappropriate questions about me. I feel like I was profiled for no reason. Then months later I go to the same bank and I needed help so I waited for a teller to get off phone as I waited that same manager aproched me and asked me if I needed help I told him no and that I was fine. Then basked again I told him no I will wait for someone else ..then he proceeded to demand that I let him help me in firm voice that made me not even want help anymore I jus wanted to leave at that point ..so I left and 3 days later I went back to bank to take out money to pay my rent and they then told me that my account was frozen..I asked why and no one could tell me, I then called the toll free number and spoke with several wellsfargo reps and supervisers, still no one could tell me why my money was being held..they all said I had to speak to a bank manager named XXXX which is the guy who has been harassing me , come to find out threw many phone calls, he is the one who put the hold on my account! It was done for personal reasons all because I refused his help and he took it personal ... And it 's almost three weeks later and I still ca n't access my money ..I have XXXX children that I ca n't feed and several bill that are over due because of this man abuse of power ... I need answers!!!! Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our mortgage with JP Morgan Chase Bank in late 2015 to try and take advantage of lower interest rates and lower our monthly payment amount. Chase was the holder of our mortgage at the time, so we believed that refinancing through them would expedite the process and hopefully prevent any miscues. 

Throughout the refinancing process, we repeatedly asked to ensure the repayment terms we received were accurate and would not change over time ( When we originally purchased our house, our mortgage payment through Chase changed dramatically within one year of purchase because our escrow account was overdrawn. Four years later, we made clear that we did not want history to repeat itself ). We worked first with the mortgage broker and then his supervisor ( at our request ) to ensure that the final mortgage payment amount they provided us was accurate. They had our existing mortgage paperwork and account details to work from -- and could clearly see what taxes we had to pay. We questioned it at every turn and explicitly inquired about the accuracy of their escrow estimate. The XXXX individuals who we worked with assured us that their final dollar amount for our monthly mortgage payment was accurate. As a result of refinancing, our monthly payment amount dropped from about $ XXXX/month to about $ XXXX/month. After nine months of making on-time payments, Chase informed us that our escrow funds were insufficient and that we now owed {$4100.00} to make up the difference ( payment due in about 40 days ). Chase also informed us that our monthly payments going forward would be $ XXXX/month if we did n't immediately pay this difference and {$1100.00} a month if we did. We would have never refinanced at these monthly payment amounts, which are not significantly different than our original monthly mortgage bill. At this point, we have potentially increased our monthly payment amount, extended the number of years we have left on our mortgage and are out the money we paid for the refinancing process. The worst part of this is that we were very clear with the Chase employees who we dealt with throughout the refinancing process that we did not want our monthly payment amount to change one year after signing their paperwork and that we were concerned that they were not estimating our escrow account payments correctly. They repeatedly ( and, we feel, very deceitfully ) assured us that all of their itemized calculations were correct. We would never finance a mortgage or refinance a mortgage through Chase again and warn anyone against doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: to whom this may concern I would like to take this opportunity to make you aware that XXXX bank has stole money from XXXX XXXX. 
they are refusing to refund him the money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ECMC Group, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am a  XXXX   XXXX   XXXX  veteran. On my report for  XXXX  there are  XXXX  ECMC accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?

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 11-05-2015 about Prepaid card (Gift or merchant card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fees

Complaint: I was sent an American Express rewards credit card with a {$50.00} credit balance issued as a rebate after the purchase I made from an online retailer. 

The initial card was lost in the mail ( I believe issued around XX/XX/XXXX ), and another card was re-issued to me in XXXX 2015 after I filed a claim stating I never received the first card. A {$2.00} monthly maintenance charge was assessed in XXXX and again in XXXX. 

After speaking with customer service, they informed me that the back of their cards states 'Subject to applicable law, a {$2.00} monthly fee will be assessed against the card balance starting 5 months after card issuance. Funds do not expire. " Based upon the original card issuance in XXXX, and regardless of the fact that I never received it, they said they begin assessing fees beginning at the 5 month point and they can not reverse the fees. They also said that they would not be willing to issue another card for the amount of the fees reduced. 

I told them that this is a violation of The Credit Card Act XX/XX/XXXX, as Gift cards are prohibited from charging fees during the first 12 months from the time of purchase, and that I was going to file a complaint with the CFPB. The supervisor I spoke to said he would notate the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Payoff process

Complaint: i made several purchases over the last few months using Amazon credit card. I used the promotional financing option of 6 months no interest. I received a statement last month that had several of the purchases and a list telling me when the offer expired. This month i have interest fees because not all my purchase " qualified '' for the promotional financing. No where on the bill does it say what qualifies and what does n't. Additionally if a pay the unqualified portion i have to log in and adjust the payment because it will be spread out over the total balance rather than the non deferred interest ones first. I believe this is deceptive and predatory lending. I call and complained but got no satisfactory reply other than we are sorry you are confused.

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 06-09-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Closing on a mortgage

Complaint: In XX/XX/XXXX I called XXXX XXXX XXXX XXXX to ask how I go about going for a XXXX mortgage, I was then transfer to a XXXX XXXX I told him what I was looking to do and he asked me to send him my last mortgage statement a drivers licence and SS card which I did. I never heard from XXXX XXXX again. I was being sent emails from a XXXX who would send me documents and I first saw that my new mortgage was about XXXX XXXX which was about 6,000.00 higher then my existing mortgage the monthly payments would decrease about 100.00 dollars. I told her that was not acceptable I read that on a XXXX there would be not costs. She said she would check on that and get back to me, I agree and wait. Her next email was the new mortgage would be approximately XXXX and my monthly payment decreased almost two hundred dollars. I asked about my escrow and she told me XXXX XXXX XXXX XXXX would issue a check to me, and I did not a payment foe XXXX. The next email was they would send a notary to my home on XXXX XXXX XXXX. This was the first time I realized XXXX XXXX XXXX was not the Mortgage company. When the Notary who came to my home was explaining all the doc 's to me I asked her about my escrow account she went over the seller and buyer doc and explained the escrow was removed from one column and added in the other the old escrow would be sent to me directly. On XXXX XXXX XXXX a check came from XXXX XXXX XXXX XXXX for XXXX. there was XXXX  in my escrow account. When I called XXXX XXXX XXXX the told me that Loan Care shorted them their mortgage payment that was due and the took what was needed from the escrow. I ca n't imagine why a XXXX mortgage wold cost me 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 02/13/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.

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 11/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: On XXXX/XXXX/17 I submitted a workout package to be review for a modification loan. I received a letter from my lender ( NationStar Mortgage ) advising I was denied because they could not set me with an affordable payment. In the letter is does not state if my income was high or low, when I submitted with workout package I never received a letter stating they received my documents and that the file was in review or any document pertaining to my modification. A few days ago I received the denial letter, I 'm not happy with the outcome because they are not specifying why I did not qualify. I called today the lender and the representative told me that they reviewed me for a Flex Modification but I did not qualify because they could not give me an affordable payment. I asked her if they do the review in base of my income and she said NO, so how do they get to the conclusion I did not qualify. I asked her to explain and she was not able to give a reasonable explanation. I am demanding a real explanation, not just I did not qualify

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Mortgage debt) with Kirkland Financial LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Third party company brought an alleged debt from another state dated 2012.

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 02/15/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. 

When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. 

The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Multiple 2 credit inquires unauthorized on XXXX credit report.

I was a victim of identity theft due to XXXX data hack.

XXXX refused to remove them told me to contact the bank to remove them.

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 06/24/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Billing disputes

Complaint: I continue to receive charges on my Bank of America credit card for a company I 've never done business with and have never heard of. BOA claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. BOA bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet BOA refuses to take action.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I was denied a lower interest rate based on a " credit score '' provided by Equifax. I received a copy of my full credit report from that agency but can find nowhere in that document that states a " score. '' I have been unable to obtain any information from Equifax about how that come up with this number. I have received credit scores through to other credit reporting services ( XXXX XXXX and XXXX XXXX ),  supposedly reported by Equifax, of XXXX and XXXX respectively. The credit score Equifax reported to my bank was XXXX. This lower score is causing me to pay a 2 % higher interest rate on my loan. I need to get Equifax to correct the score reported to my bank in order to receive the lower rate. I have found it impossible to communicate with Equifax if your situation does not fit into one of their pre-selected categories.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Fraud or scam

Complaint: I was initially contacted via email XX/XX/2016 by an individual stating they were a Broker for XXXX in XXXX and that they were interested in purchasing a timeshare I own at XXXX in XXXX. 

In order to complete the transaction I was told they needed a copy of my driver 's license and passport in addition to wiring {$1800.00} to XXXX in order to cover the costs of a power of attorney, remaining maintenance fees, and transfer certificate. After I had provided the documents and wired the money they stated that the " buyer '' had deposited an additional {$8900.00} into the escrow account to cover the cost of paying off the timeshare and are now requesting that I wire this amount to them before the funds in escrow will be released. I became concerned about the legitimacy of the request and discovered that the " Sr Broker '', XXXX was actually a criminal using an inactive license with the XXXX Division Of Real Estate from the Real XXXX who reported that he was a victim of identity theft over 1 year ago. 

I had spoke to the following people representing themselves as brokers for XXXX : XXXX, XXXX, and XXXX. Another individual, XXXX, stated that he was the Financial Escrow Executive for XXXX in XXXX. 

The contact information I received for each company is below : XXXX, XXXX XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX, XXXX XXXX Company No. XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech mortgage continues to misapply my principal payments. After my initial complaint at a XX/XX/2016 they properly applied one maybe two payments. Unfortunately, Every principal only payment has been misapplied in the last few months. I have made numerous complaints and have received no relief. I called in several times to complain about the missaplied XX/XX/XXXX payment and have yet to see it properly applied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: While reviewing my EXPERIAN credit report, I noticed a collection account listed as XXXX XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to 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 11/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The XXXX account was deleted from my credit on XX/XX/XXXX2016 after I initiated a dispute for the account. Now after reviewing my credit file I noticed it was placed back on my credit and I received no communication of this. This is a violation of my FCRA rights and I would like this removed because this has caused damage to my credit score twice now since it has been re-inserted without any notification in doing so.

Company response to consumer: Closed with non-monetary relief