milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I wrote a check to pay XXXX for service on a water heater. The check cleared. Later, I got a letter from TRS recovery services claiming the check was returned. I sent them a copy of my bank statement showing the check cleared and a copy of the check. They wrote back that I still owe money and included a statement the check was later refused with a message of " Refer to Maker ''. I believe someone submitted the check twice, the first time it cleared and the second time it was refused ( I never received notice from my bank or from XXXX that my check was refused ; only from TRS ). I believe the bank statement I sent TRS is sufficient to prove I paid the debt ( it covered both the period when my check cleared and when it was supposedly refused )

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I received a modified second mortgage from XXXX in XX/XX/XXXX for a 15 year, {$15000.00} balloon originating in XX/XX/XXXX, but was not informed that the modified second mortgage was negatively amortized, raising the balloon payment to {$55000.00}. I learned of the toxic loan from a third party when trying to restructure loans.

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 04/22/2017 about Bank account or service ((CD) Certificate of deposit) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: Bank accounts  ( CD & Money Markets ) w as opened by single account owner with    XXXX   XXXX  .   XXXX   XXXX   closed. The bank accounts wound up with   XXXX   XXXX  , and now with U.S.  Bank. Somehow during this time, an additional name was added to account, without original owner knowing or authorizatio n. U.S. Bank r efuses to correct error and refuses to produce the SIGNATURE CARDS. We have been trying to get cooperation fr om U.S. Bank for over six ( 6 ) months. We have contacted their Executive Offices and spoken to several persons in Fraud Department and Senior Banker a  t (   XXXX   XXXX   XXXX . Finally,  one person to ld me to contact the  XXXX   XXXX  branc h manager named xxxx,  in  XXXX  and that is where the signature cards are located. ( I have never previously conducted any business in this branch. ) Several calls were made, messages left, and could not get a call back response. Finally spoke to  Assistant Branch Manager who told me to come into bank. She took my personal and all contact information  and promised to get back to me. She did not. Then she was getting information from  Corporate Office  and they would send letter directly. Allotted time passed without any response. She became increasingly more hostile with each additional phone call. She finally said they do not have to give any information or put anything in writing. Later, I went to another branch, a suburban branch. Spoke to the branch  manager, w ho listened, then said she would followup and get back in touch the next week. After not hearing back, I called, but was told she was busy. Left a message. After no call back and it was almost at the end of the business day, I contacted her. She said was waiting for information back from another source and In a very unfriendly voice stated she would contact me in  two ( 2 ) days. Time pas sed without contact. I called again, left message. Called again and she had someone tell me she no information for me.   With each contact person that I have spoken to over the las t six months, I told them there is a legal issue and the information is needed. Also, that I NEVER authorized anyone else to be on my accounts. They will not own up to AND refuses to correct the bank errors! However, they have given out incorrect information, which has caused a  XXXX  legal issue, currently in court.

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 12-06-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a mortgage on my home in XXXX of 2006 for {$15000.00} at 13.48 % interest. The agreement says I will pay back a total of {$28000.00} to pay it back in full. I added up what I have paid back and it comes to {$50000.00}. Since I have over-paid by {$22000.00} do I have to keep paying them? The loan has been sold twice and Nationstar mortgage says I still owe almost {$16000.00}. I have fulfilled the original agreement and over. I do n't think this is right.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested that the XXXX party agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Vehicle loan) with Global Lending Services LLC (FL).
Issue: Shopping for a loan or lease

Complaint: I had a loan with Global Lending service that was set up by XXXX. For one year I paid XXXX a month to them and not once were these payments reported to a credit agency. When I went to refinance the car I was informed that Global lending was not federally insured and therefore I would NEVER be able to be refinanced by a reputable lender. I went to XXXX to talk to them and they could not find anything on my credit report regarding Global Lending. I was so distraught about this that when I went to XXXX I was very vulnerable and alone. They knew I was there to get my payment down. When I left there I had a brand new XXXX with a XXXX payment which is too much. I recently had found out my identity was compromised during a background check for a job, my hospital records were among a group of records that were hacked and a satellite internet company had posed as direct TV and took my debit card number. I was pretty shattered at the time and now am stuck with a XXXX payment on a car I did not want. I went through bankruptcy in XXXX to try and pick up the pieces of my life and hopefully get things back together. No positive credit was garnered by my relationship with Global Lending causing my credit to still stink. Is there anything that can be done? Where should I turn? I am completely at a lose

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: XXXX   XXXX   XXXX  trying to collect a debt they took over the property the attorneys  XXXX   XXXX   XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Advertising and marketing

Complaint: XXXX XXXX advertised on their website that if I apply for credit card called Mileage Plus Explorer/ Chase credit card and spend {$1000.00} within three months I will get {$50.00} statement credit and promotional XXXX miles in my XXXX XXXX frequent flyer mileage account. I applied for card and have received it since XX/XX/XXXX. I have already have spend over {$1000.00} using that credit card account. so I contacted Chase Manhattan Bank if I would be getting my statement credit and promotional miles. Representative replied I would not get either miles nor statement credit. I need Chase Manhattan Bank to provide {$50.00} statement credit and promotional miles in my frequent flyer mileage account at XXXX XXXX.

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 EQUIFAX, INC. (MD).
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: When I Stayed At  XXXX   XXXX   XXXX   Under Sec 8  They Tryed To Stop Me From Moving Unless They Filed An Eviction.I Took Them To Court And Judge Gave Me  15 More  Days To Move. I Did But When I Got My Sec Dep Report They Put On It Misc Owned And A Price Of   XXXX   XXXX  .When I Asked To Explain Tat Mic Charge Required By  Law.2 y rs Later When I Wanted To Move I Found Out They Placed This On My Credit Report Causing A Problem In Me Moving. I Sent Many Documents To Equifax But They Kept Telling Me That They Needed More I Did Not Understand. I Called Them Saying I Sent You All The Documents I Have And Can not Send Anymore.They Sent Me A n E ma il Saying Now I Had To Send Them A Fed Document And That They Will Not Accept Any Other Documents.I Sent All The Papers I Had Yet They Really To Me Have Yet To Investagate To Me. I See Where It Was Removed Twice By  One Credit Agency Yet Equ ifax Placed It Back On My Credit Report Knowing That It Was Removed Removed.I Asked Her Why She Said We Can Do That .Even If The Other Agencies Removed It I Said WHY? NO  ANSWER.Even Doc Bill That Are Not {$200.00} And Up Are There Too.Obama Changed That.They  Seem To Do Not Care How Much INFO You Give They Want You To Pay For A Credit Repair Agency No Matter What.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been continuously disputing an account with Trident asset management and XXXX credit bureau. Both parties have failed to provide proof of debt other than replying with my name and address which is obtainable via the public. Tridents set management have not replied to two letters I sent them which violates the law. Both the collection agency " trident asset management '' and XXXX credit bureau has caused me XXXX with the back and forth about this account that they have failed to prove is mines for the past 6 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Trouble during payment process

Complaint: I changed my home insurance company in XX/XX/2017 because they had raised my insurance premium significantly. My old company said they raised everyone 's premiums and it was not my fault ; nevertheless I found the new premium amount outrageous and contacted another insurance company and entered into a contract with them. The old insurance company had already been paid {$2000.00} by my mortgage company so when I switched I had to get the {$2000.00} back from my old insurance company and return it to my mortgage company ( Quicken Loans ). I called the escrow department at Quicken Loans and arranged over the phone to return the {$2000.00} back to them via my checking account information. I clearly told them it should be applied to the escrow account so that I did not encounter an escrow shortage. Nevertheless, the people at Quicken applied it to my loan instead of my escrow. I have called them repeatedly to tell them to apply it to my escrow account -- it was not my money! It was their money! Anyway, they verbally have told me that they have applied it to my escrow account but my online account still -- as of the middle of XX/XX/XXXX! -- states that my escrow account has a shortage. I asked for an off season escrow analysis and they said they would but they have completely ignored my request and have not remedied the situation and corrected my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ive been making automatically deducted monthly mortgage payments since my mother died on XXXX XXXX, XXXX. I updated the address in XXXX of XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and received statements there up until XXXX XXXX. As of XXXX XXXX, Ocwen, stopped taking my auto-payments because the loan was in default without my knowledge as the address was changed by a third party research firm, hired by Ocwen. I was receiving all mail until XXXX XXXX, have the same information, and even have been checking the mail at the property address and nothing has come from Ocwen notifying me of these changes. During this same time, the ARM mortgage as varied since XXXX but I 've not seen any mortgage payment adjustment letters - as I was receiving in the past. Ocwen has put the loan in defualt and on its ' way toward forclosure and have asked that I pay legal fees, etc. to be reinstated but it was their doing in changing the information and I wo n't pay the $ XXXX legal and adminstrative fees they want to reinstate the loan. 
Because of this, I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address, for inspections, etc as the property has went into non-active status without any notification coming to the correct addresses ( property address or original address ). I am asking for you to research this change and validate that the death certificate, Letters of Administration for me, and my current mailing address is what is on file. I am also asking that all fees related by removed and I am provided with the balance due to catch up ( principal and interest unpaid since XXXX XXXX ). I also am at the property address bi-weekly and have not seen any mail from Ocwen in over a year. I see that Ocwen says in the last report they tried to reach out to me but they had my correct address on file and as the mailing date for 12 months prior to Ocwen changing it to XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. My mom, father ( also deceased as of XXXX XXXX ), myself, and her next of kin have never lived in/nor had a forwarding address anywhere in California. 
They have updated the address, not reinstated the loan and still have an incorrect address ( left an apartment number on the address ) but I am getting mail as of this week. I 've reached out multiple times to the Customer resolution center and talked with an Escalation Manager who refuses to/has not returned my calls over two months of attempts. 
It is clear that this is not a normal occurrence, that misinformation was received, sensible communication channels were not followed in an effective manner. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX has reported to the XXXX credit bureaus that I have an account in collection/charge off with a minimum monthly payment over {$28000.00}. I was a cosigner on a student loan for my now ex spouse who failed to pay as ordered by our divorce decree. I was not informed of the missed payments or consequences for the missed payments until XXXX XXXX sued for breach of contract. XXXX XXXX does not seem to want to work with me considering the circumstances and expects payment in full, with XXXX payment, over {$28000.00}.

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 12/31/2015 about Credit reporting () with CITIBANK, N.A. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Citi Card. XXXX XXXX. {$27000.00}. 
Citi Bank XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX NV XXXX Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this charge off until a refinance inquiry. 
I have been trying to resolve this account for over two years, and I have not received correspondence from Citi. 
I have continued to make payments without any correspondence from Citi Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is the third time I 've contacted you about Capital One. The name on the credit card is XXXX XXXX, last XXXX of account is XXXX. They restricted my account, I do n't know why. I have submitted all the information requested and even made payments with my bank account on line and I 'm am still getting letters telling me they think my account is fraud. It is not. I have written letters and called them to refer correspondence to my attorney 's address and they are still sending letters to my home. I have done nothing to indicate fraud and I have been more than accommodating in helping straighten this out. I still have n't received a credit of the {$25.00} late payment fee they charged me for my first payment even though I sent it in 3 weeks in advance. They charged me more interest too. I am furious about this and I want the interested back dated. I want the restriction taken off my account and I want my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My current address is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently looked at my credit Equifax Credit Report and noticed a Bankruptcy # XXXX that did not belong to me. I quicky notified Equifax and disputed this incorrect information. 30 days Equifax claimed they verified the information. This can not be true because I already called the courthouse and they no information on me. They also told me Equifax never notified them about any dispute about me. I simply want this off my credit report because if you look at my credit you can easily see no accounts are listed under any Bankruptcy, because I never went Bankrupt ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Rewards

Complaint: Chase was offering a " refer a friend '' promotional offer if I refer a friend and they signed up for the Chase XXXX XXXX Credit Card and spend {$4000.00} in the first 3 months after account opening. For referring a friend I was to receive XXXX K bonus points. I sent the referral via email ( the promo was in email and required the friend to click the link in the email to sign up ) to my fiance whom I live with. I watched her click the link and sign up for the card. She subsequently spent the {$4000.00} within the 3 months as stated in the promo offer and received the XXXX bonus points. However, I was notified by Chase that I will not receive the XXXX bonus for referring her because " she must not have follow proper steps '' as noted in the letter I received from Chase Customer Service. She signed up for the card, spent the required amount and received the promo offer however I did not receive my bonus as explicitly stated in the offer. Chase should review their platforms handling the referral process for any errors.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I took out a XXXX XXXX from XXXX which was then bought by Discover. I received a deferment on paying back the loan and the loan capitalized adding {$500.00} to my principal. Discover never adjusted the principal amount when reporting to the credit reporting agency so although I 've paid over {$800.00} in principal its being reported that I 've paid far less which has had a negative impact on my credit score and ability to obtain credit. I attempted to resolve this issue through Discover but they refused to help. Then I attempted to submit a dispute with the credit agencies individually by providing them with a statement of all the payments made to Discover showing the Principal amount is inaccurate. They completed their investigation and refused to correct the error because Discover informed them the principal amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am writing to dispute the account XXXX Account Number XXXX & XXXX and XXXX XXXX XXXX Account number XXXX & XXXX that is currently being referenced on my Equifax credit report. I have disputed this account information as inaccurate with Equifax, and Equifax has come back to me and stated that you were able to verify this alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX XXXX and XXXX myself several times and have been unable to get them to verify that this alleged debt is indeed mine. 
I have previously enclose copies of my requests for them to Validate these alleged debts, and the receipts showing that I sent these letter via certified mail with a signature request. This debt is not mine and I was given any evidence of my obligation to pay this debt to these alleged collection company currently being listed on my Equifax credit report. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is now obligated by law to remove the disputed items. This is a clear case of unverified debt here, and I urge Equifax to remove these items before I am forced to take legal action. 
Equifax is also continuing to report inaccurate addressing information on my Equifax credit report I have never resided at the address currently being listed as Previous Address which is as follows:XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX1REPORTED : XX/XX/2015PLEASE VERIFY THIS INACCURATE ADDRESS INFORMATION AND REMOVE IT AS SOON AS POSSIBLE. 
MY ADDRESS INFORMATION SHOULD ONLY BE REFLECTING AS XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX

Company response to consumer: Closed with explanation