milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I called on the XXXX XXXX XXXX 2017 to request a payment deferment. It was granted. I specifically stated multiple times that I did not want the deferment to negatively effect my credit with them reporting a 30 day late. The representative assured me 3 times that it was an approved deferement and by paying a {$250.00} fee. My payment would be caught up and I would have no payment due until XXXX 2017. Which would represent my normal monthly payment. I have paid my loan on time every month an was my first payment deferment request. At any rate 3 days later and XXXX XXXX reported erroneously a 30 day late to my credit report dropping my credit score XXXX points.

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 06/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: someone pretending to be my daughter filed a claim with chase bank that they were missing money and so chase made a deposit not once but several times to her account. The perpetrator withdrew the money from her account by using an ATM card as well as using a withdrawal slip inside of a branch. Chase is holding me responsible since its a high school account and has transferred my money to offset the negative balance in my daughter 's account. I have called numerous times and so did my daughter to let chase know that we did not make these withdrawals or claims that money was missing. All we wanted to get across was that someone hacked into or stole my daughter 's identity and was stealing from chase. no one would listen to us at chase and they have since severed all relationship with my daughter and myself. I am left with {$0.00} balance just 4 days before XXXX and chase has done nothing to investigate who is responsible for these transactions. I have asked for them to pull the video tapes from the ATMs and branches where these transactions took place. I need for chase to reimburse my money and apologize for their action not to investigate our claims that something was not right with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert that XXXX made an inquiry on my credit. I called XXXX to inquire as to why and I was told they had not made an inquiry on my credit. It is on my credit report that on there was an inquiry made on XX/XX/2018. I did not apply for anything with XXXX. This inquiry was also made in Washington state, I do not live in Washington.

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 04/27/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding : escrowformal complaintmortgage administration errorslack of responseIgnoring and breaking laws XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX among othersRequested company guidelines for conventional loans, deniedReceive unsigned documents that do not respond to specific questionsGiven incorrect informationCustomer service is rude, obstinate and offers hyperboleSends collection notices and calls when loan is paid in advanceDose not provide interest charged, unpaid principle balanceMisapplies payments and addition principle paymentsReferred me to wrong Federal agenciesQuotes laws that do not existShuffled from department to department for monthsWould not give correct name of Company to establish registered agentWould not provide registered agent info for the State of GeorgiaWill not follow terms of noteProvides written answers that conflictInterest not calculated correctly for addition principle paymentsImproper address for letters or letters ignoredRefuses to apply daily per diem to additional paymentsWill not provide statements that reflect interest charged or calculation method i.e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Other

Complaint: I ordered an item at Macys in XXXX XXXX using my Macys credit card of {$160.00}. I made the purchase on " pre-sale, '' meaning I got a discount but could not pick it up until the next week. I decided to cancel the item and called the store to cancel the purchase, which they did. I was told I would not be charged unless I picked-up the item, however my XXXX statement showed the charge. I opened a dispute via the Macys online portal and called them to let them know the charge was in error. They told me they would investigate it and it would take up to XXXX billing cycles to review and I did not need to make a payment on the card. They told me this in writing and on the phone. ( Note, that charge was the only item on the account -- my bill is always paid in full. ) I started getting interest charges and late fees due to this disputed charge, which Macys reversed when I called them every month. I spent the next six months, through XXXX XXXX calling and trying to find out the status of my dispute and resolve the account. Then in XXXX, even though Macys told me multiple times not to pay the bill on the phone and in written emails, they reported me to the credit bureaus. They placed multiple XXXX, XXXX, 120 day late marks on my credit report which damaged my credit by over XXXX points. When I called and told them I was just following their written instructions, they told me there was nothing they could do. They could not remove the derogatory information until the dispute was resolved in my favor. After many HOURS of calls over a period of months, I finally spoke to someone competent who researched my case and found the dispute WAS actually resolved in my favor in XXXX XXXX but Macys " forgot '' to process it! She told me someone dropped the ball in the dispute department and never sent the file to the credit department. She told me they were updating my account to show a {$0.00} balance and they would put a rush to remove the derogatory credit reporting. However, it has been a month and Macys is STILL showing the full balance, adding more late fees, and my credit has not been fixed. I now have a letter from a collections agency from Macys. 

I have spent hours and months trying to repair this issue which is completely Macys fault. They charged me for something I never got, they did not properly handle the dispute, they told me not to pay then trashed my credit, and now they told me it is being fixed and nothing has happened. This company is negligent and has tarnished my credit because of their negligence and fraud.

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 10/21/2015 about Payday loan () with ACE CASH EXPRESS, INC. (WY).
Issue: Received a loan I didn't apply for

Complaint: I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

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 12/20/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I am writing this complaint in reference to a charge on my AAdvantage Citibank Visa Credit Card account, which I am disputing. At some point in XXXX 2015, my account was victim of fraudulent charges, after which I had to be issued a new card. Upon discovering one the charges ( by XXXX XXXX ), I immediately called the merchant to inform them of that charge ( Ref # XXXX, {$2500.00} ). I also contacted Citibank regarding the fraudulent charge. Citibank promised to investigate the matter but did not readily credit the disputed amount. Given the exorbitant amount of the charge and the fact that I was unsure if the money would be credited back by Citibank, I tried to resolve the matter with the merchant, which took a lot of time and effort. The merchant eventually agreed to issue a courtesy credit of {$300.00} for the pain and suffering that the fraudulent charge had caused me, as well as the amount of time I had spent trying to resolve the issue. Eventually, Citibank also issued a credit on my account for the original amount of the fraudulent charge. On XXXX/XXXX/15, the abovementioned credit of {$300.00} was posted to my account. However, the credit was later reversed on or about XXXX/XXXX/15. When I called Citibank to inquire about why this credit had been reversed, I was informed that the credit had been reversed because I had been given a double credit for the same charge. 
I dispute the fact that I was given a double credit for the same charge. The credit of {$300.00} was specifically issued by the merchant on a voluntary basis, and as a courtesy to compensate me for pain and suffering due to the fraudulent charge and the time spent to try and resolve the issue, while the credit issued by Citibank was for the charge itself. I believe this credit of {$300.00} should either be put back on my account or returned to the merchant, and in no way should be kept by Citibank, as it was specifically issued to me by the merchant and for the specific reasons mentioned above. It would be unlawful for Citibank to intercept and " pocket '' this credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (SC).
Issue: Trouble during payment process

Complaint: I bought a Mobile home on XX/XX/XXXX with a mortgage loan from Greentree. I have paid my loan every month since, always early or on time. ditech assumed the loan from my old mortgage company. I continued to pay early or on time. The loan is an 8 % simple interest loan so I pay the loan on the XXXX of the month instead of the XXXX of the month when it is due for a potential interest savings. I was even paying an extra {$200.00} a month towards principal for a while until ditech started posting payments wrong and I noticed a big fluctuation in the amount of payment that went to interest. Since XX/XX/XXXX, there has been a continually problem with posting my proper payment to my account. I repeatedly have to call to get it straightened out because they post it to the principal or interest and not the monthly payment. It takes repeated phone calls with assurances that it is fixed and then it happens again in a month or two. Since the problem is still happening in XX/XX/XXXX, I now write down when I call and who I talk to. I called XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX, XX/XX/XXXX and spoke to XXXX. I was assured the problem was fixed, notes made to the account and safeguards put in place that my payment would only be applied to the next due payment. This did not happen. I have been turned over to collections twice for overdue payments and receive a call today ( XX/XX/XXXX ) from XXXX notifying me they are a debt collector for ditech. That would be fine but I have never been even late on a payment, much less missed one. I pulled up my account on-line with ditech and see the payment they received on XX/XX/XXXX went entirely towards interest and they are showing no other received payments. The reality is the XX/XX/XXXX payment was for XX/XX/XXXX and should have been posted so. My XX/XX/XXXX payment went out on XX/XX/XXXX and they will receive it on or about XX/XX/XXXX. My interest rate in XX/XX/XXXX was {$150.00}, in XX/XX/XXXX it was {$440.00}, and in XX/XX/XXXX it was {$500.00}. These are the things I have called about and fought to get fixed. The interest rate is always dramatically different when it is a simple interest loan and I pay the same day of the month. Should n't it be close to the same amount each month? I have wasted countless hours on the phone straightening out this mess on a repeated basis and it just happens again. Customer service tells you it is fix but it never is and fight with you when you want to talk with a supervisor. No consumer should have to be subject to this type of treatment from a loan company, much less a customer that pays on time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My name is XXXX XXXX and I am the cosigner on XXXX loans for my wife, XXXX XXXX XXXX maiden name XXXX XXXX. On our first loan in the past we attached XXXX notes to XXXX consecutive bills that were sent into Sallie Mae for the purpose of instructions on how to apply payment to our loan. We had paid over the minimum amount and the excess had not been applied to principle. The purpose of the notes was to instruct Sallie Mae to apply the extra to principle so that the loan could be paid down quicker. This was attempted because I had called into Sallie Mae to find out how to apply excess to principle and was instructed to attach a note. XXXX notes seemed to be ignored and after calling in and being told just to attach another note we gave up. Now that my wife is going back to school we applied for another loan in late XXXX. My wife made her normal payment over the minimum for XXXX and we did not receive a bill for XXXX. Because she had paid over the minimum Sallie Mae had taken the excess and applied it for the next payment. This is not how we wanted the payment to be applied. I called into Sallie Mae to find out the current status of the loan on XXXX XXXX, 2015 at XXXX. After talking with someone on the phone I was told that excess funds are kept in an account so that if a payment is missed or under the minimum this account will make up the difference. I also asked why payments are n't applied to principle and the above was explained to me and I asked if they did this so that loans are more likely to be held to the full duration, the response I received was " yes ''. From my understanding it is illegal for Sallie Mae to apply a payment contradictory to the way indicated in the note attached to the payment. I would like to know why our instruction have been ignored and why payments are not applied to the principle. Unfortunately I do not know the dates for which the noted were sent in or calls were first made for this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I applied for deferment on XXXX/XXXX/XXXX due to financial troubles. It was approved on the XXXX - My deferment is good for XXXX - XXXX. They attempted payment and caused my account to become overdrawn. The payment kicked back along with an extra {$36.00} NSF fee. Today XXXX/XXXX/XXXX they attempted payment again. This has caused a XXXX dollar charge to turn into an {$120.00} debt that I was unable to pay in the place - hence the deferment.Tried to contact Navient and all numbers are busy with no response. 
I feel cheated because I filed the proper paperwork to defer and there is literally no number to call and correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I had a Bank card in XXXX or XXXX, the year I had to declare bankrupsy. Since I have had four collection agencies for the same account with different dates of original contact. This account has been under 1. XXXX XXXX, 2. XXXX, 3. XXXX and now back to XXXX. XXXX XXXX. They are now saying the first contact was XXXX XXXX and this will stay on my credit report until XXXX. XXXX to XXXX is over 15 years under the four collection companies that have passed the account around. Legally, it should go off my account in XXXX or XXXX, not XXXX. Please investigate Portfolio Recovery, they do this to other people and change the dates of contact. I have disputed this and they will not change it or do the right thing. Why can a collection company pass an account back and forth for years falsely stating the first contact when it is not. It is the date they again passed the account back and forth. This has harmed my credit and standing. I have asked them to remove this account from my credit history. They just keep passing it around and then back to their company. I have been greatly harmed by them and their practices. I had paid one bill in XXXX, yes XXXX and just managed to get it removed two years ago. That was 17 years ago and it was a bill that had been paid in full! 

Please help me with this. This is unfair practices and passing an account back and forth changing dates has harmed me, my standing and is unfair practices. Please have them remove this from my account ASAP. If this does not work, I will contact the XXXX state Attorney General and our Senator. It is wrong to have four collection agencys on one account over the years and to change the date each time making it appear that I have had contact with them each time when I have not. I have never received any type of certification or letter stating the proper documention or that I could dispute this from Portfolio Recovery. They do not care that they are lying or destroying my credit. I am a XXXX senior citizen, and this has caused me undue and harmful stress and worry because of their unfair and harmful practices, and changing the dates every couple of years. Next year a new date will appear and they keep getting away with it. Please help.

Company response to consumer: Closed with explanation