milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Debt collection (Other debt) with The CBE Group, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX Applied my last payment of {$57.00} paid on X/XX/3017 to someone else 's account resulting in this hitting my credit report dropping my credit score by 29 points. 

I have contacted them and made it clear that this needs to be removed immediately and the 29 points need to be put back. They stated this could take 7 to 10 days And I 'm in the process of purchasing a brand new home with my husband. 

When trying to reach out to the credit agency CBE it States that no one is available. This is inexcusable. Not only did I leave a forwarding address but clearly the bill was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: This morning I receive an email notification from XXXX ( 3rd party fraud/financial monitoring service ) that the APR increased on my Chase credit card ( from 5.49 % to 5.74 % ). I was very surprised by this because 1 ) I had never received any notification from Chase about this change, and 2 ) an APR increase reflects that Chase may perceive me as a higher risk, which concerns me because I pay my balance in full every month. 
I called Chase to ask about this change. The first person I spoke to looked up my account history and stated that there has never been any change to my account since its inception, and that it had always been 5.74 %. After hanging up, I went and checked my individual statements. In fact, the rate was increased between XXXX and XXXX 2016. I then checked my emails and texts ( since I 'm on paperless billing and receive text alerts from Chase ), and there were no messages on this either. 
I called Chase a second time, and this time the representative said that this change was made, and notices were sent to everyone ( although I never received any specific information confirming that the information had been sent to me ). 
Since I do n't carry a balance, I am not directly financially impacted. But I am deeply concerned that a bank would increase rates without notification ( if I were carrying balances, I would have had no opportunity to make alternative financial plans in advance of the change ). I am very troubled that XXXX calls within the space of an hour elicited such difference responses in terms of what actually happened with respect to the rates on my account. I am left wondering whether the operational processes are adequate, and if this can happen so easily, what else could happen. As a customer, I do not feel valued when the rates are increased despite my impeccable payment record. One agent mentioned that I do have the option to close the account if I do not agree to these terms. This feels a bit drastic in my particular situation, but I do feel strongly motivated to shift my spend to other providers, as something feels fundamentally wrong when a bank changes rates without notification or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Loan servicing, payments, escrow account

Complaint: FNB purchased our mortgage from XXXX XXXX when XXXX XXXX sold. FNB did not pay our property taxes and possibly insurance for one and half years. When I found out and contacted the bank, I was told there was an email from the former bank that said not to pay our taxes. We were never informed and this is incorrect. Our mortgage agreement has not been modified. Taxes and insurance are part of our escrow. The new bank charged us {$100.00} extra to compensate for having to pay our taxes. We disputed this but ended up not fighting it and paid the extra {$100.00}. Now, the bank is raising our mortgage payment $ XXXX/month for the same reason. Due to the negative escrow. We have tried to get an explanation from the bank as to 1. Why did they stop paying our taxes and 2. What happened to our payments for the 1 1/2? Where was the money applied that did n't go towards escrow? The collection department representative, XXXX, has been helpful enough, in the sense that he allows me to ask questions etc ... but I 'm not getting any real answers. How can a bank just stop paying escrow without notifying us? How is that okay?

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Fifth Third Bank closed my checking and saving accounts. When called the customer service No Reason was given. Made several calls. They just gave me the name and number for the investigation department to call ( XXXX ) and talk to XXXX XXXX there to get information about my closed accounts. I called XXXX XXXX every day for more than a week ( XXXX/XXXX/16 through XXXX/XXXX/16 ) and left several voice messages for her explaining my concerns and requesting a call back. No one called. 
Finally had my brokerage accounts fund manager XXXX, at a local Fifth Third branch ( XXXX XXXX, IL ) on my request, tried to get hold of her and was told that it was blocked for some suspicious deposits and withdrawals. The bank would not specify which transactions. I have checked with all my vendors and clients and none of them had reported any issues with the payments they sent or received. All deposits and withdrawals were made into/from the accounts within US.NO FOREIGN TRANSACTIONS were made at all. The branch manager who spoke to XXXX also mentioned that the case is being reviewed by a different person and she would be giving me a call to discuss this case within next couple of days. More than a week passed and no one called me. 
Later I received a letter from Bank Protection Department of Fifth Third Bank that my accounts would be closing within10 days ( Again no reason was given ) and a Cashier Check for the balance in my accounts will be sent to me shortly. 
It 's been several weeks now and I have not received the check for the funds that were in my accounts at the time they were closed. Fifth Third Bank does not tell me the status of the check. All my savings were in the accounts and I am left with nothing. Had to borrow money from family to pay the bills that were due right away and still no word on my funds availability from XXXX. I had over {$15000.00} in both saving and checking accounts all together. 

Please help me get my money back. 

I need Fifth Third bank to send me my money that was in the accounts when they closed it as they promised. I still have the letter that they sent to me stating that a cashier check would be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This account does not belong to me. I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Bank of America was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Bank of America until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Bank of America is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Bank of America will not answer our calls or provide any assistance in our dispute of their new findings.

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 03/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.

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 03/16/2017 about Credit reporting () with BYL Collection Services (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX no contract no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (CA).
Issue: Deposits and withdrawals

Complaint: ( 1 ) An online bank called Synchrony Bank based in New Jersey distributed two months ( XXXX and XXXX in XXXX ) from my IRA CD account based on my XXXX distribution instructions that should have been stopped end of XXXX. They refused to backtrack the accounting entries after making me send them instruction to stop these unauthorized payments. 

( 2 ) Then in XXXX of XXXX I sent them instructions to distribute at end of XXXX a certain sum. They immediately distributed it. On complaint they reversed the entries although not exactly. 

( 3 ) Then on XXXX XXXX, XXXX when I inquired if my distribution instructions will be executed on XXXX XXXX, XXXX. They said they will not comply because there is no wiggle room if an error is made in scheduling the distribution. Hence they will inform me of another date in XXXX when this can be done safely.

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 01/30/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX ( XXXX XXXX ) did not pay real estate property taxes even though I have an impound account. Wells Fargo stated that they paid property taxes in XX/XX/2017. Upon further research, I identified that Wells Fargo paid the property taxes for the wrong property. I informed them of this and they said they would investigate. Wells Fargo stated that they paid the real estate taxes for my property but when I check it has not been paid and are now delinquent. In addition, I did not receive my money back for the property taxes that were paid on the wrong property.

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 02/22/2017 about Credit reporting () with DLC, LLC (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had a collection showing from dollar loan center for XXXX dollars, that I have n't received a loan from them for the amount, I have n't signed o thing and I have n't been in the store at all, I used different store and I did pay any loan I received from this store. 
This is not mine, and I want them to remove it from my history.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: Hi there my name is XXXX I have a loan with Westlake Financial Services, they have been contacting my father to get information and payment from him for my vehicle loan which I am on alone, no one else is or ever has been on there with me. They called me 45 days past due saying my car was up for repo unless I payed the XXXX in full. Just needing clarification of this is right? It does n't seem secure that they are talking to someone who is not on my loan who I do n't feel should be involved in anyway. Please give me advice here. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (I do not know) with FIDELIS RECOVERY MANAGEMENT, LLC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: TRANSUNION is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) IFAXFederal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from TRANSUNION in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX acct : 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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm starting to think that OCWEN is nothing more than a Ponzi scheme ( a swindle in which a quick return, made up of money from new investors, on an initial investment lures the victim into much bigger risks. ) set up by large banks to transfer their loans without permission of the mortgagee to a group of so-called mortgage investment individuals who are supposed to help you qualify for a number of loan modifications. The ignorance of every XXXX of the employees at Ocwen goes beyond stupid. It is now XXXX months short of XXXX years that I 've tried over and over to modify my house loan. I was retired without benefits, i.e., retirement compensation from a XXXX after 30 years of employment after the death of the owner, operated, XXXX, XXXX, of a very successful company. Since my income has gone from XXXX figures to a small XXXX income I would think I would qualify for at least XXXX loan modification. Particularly because my home is under water. The incompetency of the mortgage loan officers, i.e., loosing paperwork XXXX and XXXX times because they ca n't find it on their desk or in their computers is beyond the word irresponsible. After working with the same loan officer for 18 months he never seems to remember who I am during our monthly phone conversations. I 'm trying to lower my payments not increase them. Every single offer I 've received have increased the payment now standing by {$50.00} to {$100.00} dollars a month and Ocwen will not write the modification unless I agree to 10 more years on my loan making it 40 years instead of 30 years. As of today since I 've not agreed to their new terms - they have turned me over to an attorney to start foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has not applied my payments in a timely manner. My Nationstar mortgage statements do not appear to be correct, they do not correctly reflect my unapplied funds balance. Nationstar still continues to charge me late fees with my account being current. Additionally I have emailed Nationstar requesting account information and a detailed transaction history multiple times, to no avail! Nationstar has also illegally applied late payment charges in excess of the 4 % allowed by law and my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I disputed the date and amount that was stated on my credit report by XXXX XXXX. I asked that the date and amount be invested because it showed an open date of XXXX. They claimed to have investigated the amount and change the balance to XXXX, but they left it on my credit report. Yesterday I checked my credit report, and it dropped from XXXX to XXXX. I can only assume XXXX XXXX is now XXXX XXXX XXXX and they are falsely reporting the amount and dates. It states I opened the account in XXXX. I never applied or signed a promissory note for any loan in XXXX. I tried calling the number on the report but it's out of order. 

I never received any documents from the credit bureaus on the results of their findings regarding the investigation, but this information is inaccurate. I would like to be provided with the original documents as proof, but the bureaus have not provided me any information. They ruined my credit by reporting false information.

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 01/22/2017 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: N.E.S. is a collection agency that has been contracted by XXXX to service a debt. This company has accessed my credit report for private information recently, as demonstrated by the attached document reflecting my XXXX report. I have never been contacted by this agency, however, they recently made several attempts to contact my family from various local phone numbers. In addition to this deceptive and harassing behavior, they called asking specifically for my father XXXX XXXX to discuss private financial information related to my private XXXX student loan. My father is not a cosigner on any of the loans currently serviced by XXXX or its collection agents. NES disclosed the amount of the loan and demanded payment from my father. NES has accessed private information to harass and persuade a payment for loans that have been in default for more than 4 years and were previously serviced by an agency of XXXX that were issued a ( formal ) legal cease and desist by my family. NES and XXXX have blatantly violated the FDCPA by contacting and harassing family members discussing private financial information in attempt to collect a debt.

Company response to consumer: Closed with explanation