milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 

Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.

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 10-07-2016 about Consumer Loan (Title loan) with TMX Finance LLC (SC).
Issue: Can't contact lender

Complaint: Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: It came to my attention of XXXX midland accounts when viewing my credit reports. On separate occasions I have disputed with all XXXX credit bureaus XXXX, XXXX and XXXX pertaining XXXX Midland accounts ( XXXX ) and ( XXXX ) and the disputes were returned verified. After That I sent midland an email on their website dispute system to direct dispute with them on XXXX 2015. They have sent me no verification whats so ever, then midland sent me a bill to pay them in XXXX, I do n't read XXXX. After some investigation on my part, I am concerned that this account may not belong to me, and the reporting to XXXX XXXX and XXXX Is not accurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ). Also Midland is not suppose to report a collection account under " revolving open accounts '' Showing it is an open account on monthly terms with XXXX plus lates. This is a violation. Midland is a collection agency and did NOT extend me any credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Debt collection (I do not know) with Genesis Credit Management, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I filed a previous complaint on the company four months ago. In their response they said they would send validation and they STILL HAVE NOT SENT ME ANYTHING REGARDING THIS ERRONEOUS ACCOUNT. This is absolutely ridiculous! This company has violated Finance Code Chapter 392 Section 392.201. The law says that they must send all files concerning that consumer no later than the 45th day. I originally disputed this account in XXXX and never received anything. Validation will not do at this point and time. THIER TIME TO INVESTIGATE AND REPORT TO THE CONSUMER IS UP!!! I will be filing a complaint with the FTCXXXX and the XXXX today!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with M.A.R.S., Inc. (OK).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: My lease was up I moved out and the my ex that was on the lease. Her and I split up and the landlord would n't let me remove my name from the lease. And after I left my ex took over I went by to get mail and got arrested for coming to my ex 's place of residence. Then a few weeks later I get told when visiting my cousin that the land  Lord sue d me for damage to the property when I was n't there nor allowed by the law to be there and was never told of a court date. Or anything. They refused to let me take my name off the place I was n't allowed to be at. I should n't be responsible

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I have scheduled ACH from my Checking account at NAVY FEDERAL CREDIT UNION to pay my XXXX XXXX Credit Card in the amount of {$400.00} using Navy Federal online bill pay center. 
I have left only {$200.00} in my account DELIBERATELY to see what will happen with this transaction while there are insufficient funds in the account. I did that as a test before I switch everything ( checking and automatic bill payments ) from XXXX XXXX XXXX to Navy Federal. 

Navy processed the transaction on XX/XX/XXXX and on their bill pay online system it was showing delivered and there was a confirmation number. Day later I found out that it was not processed and I was charged with insufficient funds fee, {$29.00}. It was still showing delivered with confirmation number. 

Nothing in their online system indicated that this transaction did not process or that it was rescheduled. 

On XX/XX/XXXX ( week later ) I found out that it was processed AGAIN WITHOUT MY KNOWLEDGE OR CONSENT! This time there was more than sufficient money in the account. 

This is where things escalated : While speaking to Navy Federal Credit Union customer service representative, after insisting to know why the transaction rescheduled and processed without ANY INDICATION THAT IT WILL, representative informed me that they have a THIRD PARTY COMPANY THAT DOES THEIR ONLINE BILL PAY SYSTEM FOR THEM and Navy Federal has nothing to do with online bill pay system. 

Nothing on the online system shows, warns or indicates that I was leaving Navy Federal website and that I was redirected to third party site. It is all still ( at least it appears ) on Navy Federal official online banking website. Please refer to attached screenshots. 

What is the name of that bill pay processing company? 
What is their address? Website? 
Should I be warned that some other company other than Navy Federal is processing the payments I make trough Navy Federal portal? 
Should I not get " you are being redirected to another site '' warning? 

I believe Navy Federal online bill pay system is misleading and I have chosen to trust THEM with my finances, NOT some third party company. 

Please investigate, Kindest Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cell : 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 05-10-2017 about Student loan (Federal student loan servicing) with MOHELA (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Debt collection (Medical) with State Collection Service, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Upon being notified about alleged debt, I was given 30 days to respond and dispute validity of such debt. I responded within three days period and advised of my intent to dispute said debt. I also provided additional information pertaining to another medical insurance that was supposed to cover medical payments. Approximately one week later I received similar later advising me of same. I responded to this communication in timely manner and once again disputed said debt and provided additional information pertaining medical coverage responsible for the payment. Third communication from the debt collector arrived on or about XXXX XXXX ... This time a payment was demanded and no mentioning of correspondence sent by me was mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Installment loan) with BB&T CORPORATION (OH).
Issue: Managing the loan or lease

Complaint: I paid my XXXX scheduled payment. I then sent a separate check with the instructions stating, " APPLY TO PRINCIPLE ONLY '' on the check. So, I sent 2 different checks at the same time. They will not apply my 2nd check to only the principle balance and are only applying a portion then applying some to interest and then pushing my next scheduled payment to XXXX. I called to complain and explain that the 2nd check is a principle only payment and asked to speak with management and she refused to transfer me. Instead she gave me a summary of how loans work. I am demanding that my 2nd check sent be applied to only principle. Please help.

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 08-08-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: This complaint is in reference to the removal of PMI from my loan. The HPA states, and the CFPB Director has confirmed in a statement provided in 2015, that PMI must be removed upon written request from the mortgagor, assuming good payment history, current on payments, and value at or above original value, if the current principal balance reaches 80 % of the original loan value through normal amortization tables or actual payments, including additional payments made by the mortgagor. XXXX XXXX has stated, and the FHFA agreed that the cancellation provided under the HPA is not an obligation to them and they are free to demand that the loan to value ration equal 75 %. I have found no guidance on this issue and both the summaries from the Federal Reserve and the CFPB state that XXXX XXXX must remove PMI upon request when the loan to value reached 80 % ( assuming the previously stated guidelines are met ). The FHFA and XXXX XXXX have also stated that regardless of the CFPB 's decisions they do not have to follow them. I believe this to be false and would like assistance from the CFPB in navigating this issue. Thank you for your help, 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 11/16/2017 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

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 03/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NE).
Issue: Application, originator, mortgage broker

Complaint: Nationstar Mortgage company is the company that serviced our Mortgage since XXXX with an original loan amount of XXXX. This company used gross manipulation tactics, to get us to refinance and now are falling back on what was promised with regards to removal of the PMI from our loan. Calling, sending mailers and emailing again and again until we finally agreed to refinance in XXXX XXXX and at that time we were advised that we would receive a lower interest rate and could change the terms to payoff in 15 years so it was highly beneficial to complete the refinance. When going through the process we also discussed PMI and were advised that once the PMI dropped below 80 % of the original loan amount of XXXX we would no longer be responsible to pay that amount any longer and it would be removed from our payment amount. So we reached out to Nationstar as we are currently at XXXX and the 80 % valuation would be XXXX and we wanted to ensure that it would just auto remove. When contacting their Customer Service and PMI support we now are being advised that the amount is based on the Refinanced amount and that the new percent is 75 % of the loan amount at time of refinance for the PMI to be removed, which was in no way communicated to us. We would have not refinanced at all if there were any changes to the PMI as we were working hard to pay the balance down so that amount could come back to us and not continue to be removed. The representative said that this is because of XXXX and that the amounts are different now. This is wrong and we need help in getting resolution to this matter and ensuring that Nationstar can not continue to take advantage of customers this way. This is a lie and gross manipulation tactics and we need your help to resolve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: From XXXX to XXXX, Equifax Credit Bureau 's security was breached, allowing for 143 million Americans information to get compromised. My information was compromised. Equifax has not offered a solution. Instead of informing victims immediately, they decided to do a press release two to three months after the incident, in XXXX. I have had to place credit freezes with all three bureaus, replace three credit cards, activate fraud alert, and take identity theft precautions as a result. I have also been forced to pay a ten dollar fee to Equifax to place a credit freeze with them, which is upsetting, because I should not have to give them money to fix a problem they are responsible for. Equifax does not have the technological competency to be running a credit-reporting business, and their gross negligence has affected my life, and my family 's life, deeply. Now I run the risk of having my identity stolen, and having to freeze and unfreeze my account for loans/credit indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with NCC Business Services, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.

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 06-06-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a collection from the State of Colorado for child support for my kids that are adults and I have been paying on monthly for over 20 years with no late payments. On my credit report it is reporting a XXXX balance of a collection from the state of Colorado and every time I try to call them they have no record of it but when I try to dispute the item with Experian to have it removed, it comes back verified. I 've never had a collection and I am still paying adult children. It is affecting my ability to get a home loan with this item still on my credit report. I need help in getting them to remove the item from my credit report with Experian. All of the other bureaus have removed the item from my 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 02/16/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: From : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXXXXXX To : Consumer Financial Protection Bureau Wednesday, XXXX XXXX, XX/XX/XXXX RE : NationStar Mortgage XXXX XXXX XXXX XXXX TX XXXX Lender / payment To Whom It May Concern : Mortgage Account Number : XXXX I wish to raise an official complaint in respect of NationStar 's treatment of my mortgage account on the basis that I do not believe that I have been treated fairly. 
My understanding of the basis of this mortgage was that the rate would only ever vary when the base rate changed and when there is a need explaining always on phone it is about escrow and if I need to complaint go to my california representatives. In XX/XX/XXXX NationStar buys or takeover my mortgage from XXXX and a month later they increased my monthly payment from XXXX to XXXX. This problem referred from the long silence they have when I try to communicate with them. They now seem to be telling me that they are able to adjust the tracker rate margin to XX/XX/XXXX. Had I known about this I would have chosen another mortgage product/lender since XXXX promised me something. 
I have been misled by both XXXX and NationStarXXXX and every customer service representative I have contact with and do not believe they have held over me some Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have also been advised of case law which supports the requirement for important conditions to be made clear and obvious in contracts. That was definitely not the case in the NationStar mortgage documentation which they have sent me none. How many times I requested to a document to explain it to me? The replay always has been they DO NOT ANY RECORD. 
I have no copies to these changes except those computer printouts and then notices that they have been escalating my complaint to you. I understand that I am one of many thousands of affected customers and I will do all that I can to encourage as many as possible to fight NationStar on this issue should they continue to be unreasonable. 
I await your response. 
Your faithfully XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Savings account) with CITIBANK, N.A. (GA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Citibank has taken money from my savings account on various occasions without my authoriation. XXXX, XXXX and XXXX. Specific instructions were give for the XXXX and not followed. XXXX and XXXX were never authorized by me to be taken for a bill pay which i have always paid on my way to citibank. The XXXX was specifically instructed to the representative of citibank to be transferred to a new account i opened with a didferent bank. She decided to transfer it to my checking account at citibank because it was overdrawn by citibank themselves by processing a payment from an account that had no money in it. Citibank has also taken XXXX from my savings to even out an overdraw from a fraud situation. No authorization was given to citibank for these transactions to occur.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation