milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Trouble during payment process

Complaint: I have made {$60000.00} additional principle payments for the past 1.5 years. Freedom mortgage is not applying the payments to my principle as they are made. They apply them to my regular monthly mortgage payment ( which I already make in addition to the principle payments ). So they will have my monthly mortgage payments paid for months at a time instead of applying it to the principle as requested. I have spent hours on the phone trying to get them to apply the payments to my principle. Eventually they applied them to the principle however they never applied it on the dates they were made. They apply them months after. I requested and received payment history information on my mortgage and the problem has not been fixed. I have spent hours on the phone and have spoken with supervisors and have gotten no where. I am still waiting for a supervisor to call me and that was days ago and I have even called back since and have not received any 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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit score dropped 78 points on XXXX due to a XXXX XXXX account ( from XXXX ) becoming 90 days delinquent. XXXX XXXX has never been late and there were never no reporting of it being 30/60 days late, it jump straight to 90. After reaching out to XXXX XXXX come to find out there student loans were sold to XXXX, whom could n't locate my account in their system either. 
I reached out to US Dept of Education and there were only one XXXX XXXX account showing paid in the amount of {$1300.00} in XXXX. 
After reviewing the verbiage on all 3 credit account, I notice XXXX XXXX appeared on my XXXX report. I reached out to ACS who is no longer is ACS but is now Conduent Education.

They inform me my accounts were 90 days late. I asked why I have n't received anything in the mail or at least a phone call. Why it never reported 30 days late and went straight to 90 days, I could 've addressed it sooner. Why my students loans been sold so many time and I was n't made aware of who to contact to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has leaked my personal data due to a flaw in their security. They have provided me with a solution that requires me to relinquish my rights to take legal action against them for any wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit card or prepaid card (Gift card) with INCOMM HOLDINGS INC. (VA).
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint: I purchased a {$500.00} One XXXX XXXX gift card from XXXX 's on XX/XX/XXXX. I used the card online for purchases totalling approximately {$66.00}. When I was unable to check the balance on the card a few days later, I was told by customer service that a hold had been placed on the card and that I needed to send a copy of my receipt, driver 's license and prepaid card. 

When I was able to check the balance the following day, I discovered approximately {$200.00} of unauthorized charges had been placed on the card. Other charges were pending. I then filed a dispute claim with Incomm on XX/XX/XXXX. After a request for an update, on XX/XX/XXXX Incomm stated that " merchant denied refund. Reattempting refund from merchant. Response can take up to 30 days. '' This is the only update I have received from Incomm despite sending two recent emails requesting information. The only information provided by customer service is to " check back in 24-48 hours. '' When I asked if I could access the card to see exactly what transactions had been made, I was told the card was inactive. 

At this point I am worried this claim may never be settled and I may not get any of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted a police report to Equifax for Fraudulent accounts on my credit report, They placed a 7 Year Fraud Alert on my report ... Someone is STILL usuing my information to inquire about obtaining credit, I ca n't stop these fraudulent inquiries with them not providing my correct phone number. My credit has been ran NUMEROUS times. No phone call, to approve request so I could tell the, it 's CLEARLY not me applying for credit. I 'm attaching a list of the Inquiries, all with a 2017 date are Fraudulent and should be removed according to the FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Dispute was not handled thoroughly. Problem with statement of dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was not told by XXXX XXXX XXXX that my loan went to cArrington mortgage service on XX/XX/2016. When I called to pay today XX/XX/2016 they told me. I called cArrington to make a payment and told me they are not willing to accept anything but the full amount I was behind. I am behind 4 months which has been going on for the last year since I was unemployed. I have been paying XXXX XXXX XXXX each month my payment plus an extra XXXX to catch up. They refuse to accept XXXX payment today when my regular payment is XXXX. Will only accept XXXX the amount due and refuse to work with me. They want me to go even further behind. I am trying to catch up and have been making payments every month for the last year. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with ENCORE CAPITAL GROUP INC. (TX).
Issue: Credit determination

Complaint: Wrong information on credit report. Company is double reporting negative information with no legal right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life

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 06-02-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Settlement process and costs

Complaint: I have a B of A mortgage modification loan, and it has been in place for XXXX years. Now for no reason B of A has been sending XXXX packages to my home. The documents state that I need to re sign these documents and have them notarized. The documents state " As your home loan servicer, we where pleased that your loan was approved for a loan modification.Although your mortgage has been modified, there was an error in the format of the documents that we used and they were unable to be recorded at the county records office. If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. This is not a new loan modification. It is a copy of your previous loan modification. '' They later state, .. '' while reviewing the documents, we noticed the XXXX or more items where missing in order for it to be recorded at your local county recorder of deed, which is a requirement of the loan modification process.Because we need your assistance in signing the replacement agreement, we would like to compensate you for your time by offering a {$500.00} incentive. " I checked with the County and my modification has been properly filed, recorded and documented with the county ; they faxed over my documents and everything seems to be in order. I have called Bank of America many times in regards to this and they keep giving me the same reason. I was assigned an account specialist who called me back regularly to tell me she has no answer for me as to why B of A insists that I need to resign these. I have taken it to the B of A escalation department ; where I was assigned another " account specialist ''. I have been recontacted by this specialist over the last XXXX weeks, at least XXXX a week ; to tell me that she has no answer for me as to why they need me to resign. Now the last call from this representative, I was told that she would no long be able to work with me and that I need to contact another person from B of A. I have supplied them with a copy of my documents and deed, registered with my county as proof that there is no issue and that the documents are indeed registered. B of A continues to XXXX the same documents to me ; I believe I have XXXX or XXXX of these packets now. I just want a straight answer from B of A ; or a copy of the document from my county stating that there is really an issue with my documents. I can not get a straight answer from anyone at B of A, this has been going on now for over 6 months. I do not trust these people and I just want a straight answer or proof so I can sleep at night knowing that these people are not trying to take my home ; I have never missed a payment and I have never been late. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This file has been relisted on my credit report with a date of 2015. It 's a old file which should n't have been there in the first place. I signed up for XXXX a few years ago for {$19.00} a month. They started charging me almost {$50.00} a month without any notice. By the time I realized, the bill was high, and I had to cancel service. It has been through a few collection companies, but it is not from this year. The way it 's listed pulled down my score, and I 've been paying my current bills on time to raise my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I AM A VICTIM OF MORTGAGE FRAUD AND DISCRIMINATIONS FROM WELLS FARGO HOME MORTGAGE. AS A RESULT OF A CLASS ACTION LAWSUITS FOR MINORITY HOMEOWNERS, I WAS ISSUED A CHECK BY WELLS FARGO XXXX. RECEIPT OF THE CHECK WAS SO UNTIMELY, THAT MY BANK REJECTED THE CHECK AS OUTDATED. I RETURNED SAME TO WELLS FARGO XXXX MORE THAN 7 TIMES FOR A REPLACEMENT. AS TODATE, I HAVE NEVER RECEIVED ANY REPLACEMENT OF THE RESTITUTION CHECK AS ORDERED BY THE UNITED STATES DEPT OF JUSTICE. OUTDATED CHECK NO XXXX, TRACKING NO XXXX, CHECK AMOUNT {$7300.00}. MY MORTGAGE LOAN NO IS : XXXX. THAT MONEY LONG BEEN OVERDUE TO ME AS RESTITUTION. AND THE XXXX ISSUED ME A BAD OUTDATED CHECK WHICH OF COURSE WAS OF NO USE. I DEMAND JUSTICE AND FURTHER DAMAGES PLUS INTERESTS.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (NC).
Issue: Application, originator, mortgage broker

Complaint: My loan was approved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my mortgage with Provident Funding ( XXXX ). We filled out the requisite paperwork at close including the instructions to establish autopay on our account immediately. Provident claims they did n't receive the paperwork and I received a notice after the first payment was due indicating that our payment was deliquent and that a {$70.00} late fee would be imposed. Provident is refusing to waive the late fee even though the mistake was made either by Provident or the title company they selected to facilitate the close. It is shameful that they are attempting to earn a fee off of incompetence on their end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX purchased My Student Loans from ECMC Just before these loans were purchased by XXXX, ECMC charged me {$3200.00} in what they were referring to as " Collection Costs '' ECMC stated previously that if I brought these loans out of Default these collection costs would be dropped or lowered down to 6.7 % but this never happened These collection costs were then passed on to XXXX in what was just referred as " Unpaid Principal Balance ''

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 08/18/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was viewing my credit scores on XXXX XXXX because I have been rebuilding my credit after a bankruptcy many years ago and all of a sudden I saw my credit score dropped almost XXXX points. I had no idea why because all my bills have been paid on time for a long time now and I have even gotten new accounts. So the day I was looking some company called Cavalry portfolio had reported me to the credit bureaus that I owe them over {$4000.00} I had no warning from them, no contact from them just a notice on my credit report that it was sent into collections. I want from them to one stop bothering me through my credit reports I am taking this " Account in collections '' as a threat- I want this in collections taken off my credit report and if for some reason I do owe them money I want them to validate to me without a doubt how I owe them money. I want to know if this is a old debt from my bankruptcy and OR where this debt originated from, because I have no remembrance of it or this Cavalry portfolio. Their tactics are VERY UNPROFESSIONAL and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Using a debit or ATM card

Complaint: I had my Bank of America XXXX card denied at XXXX websites. 
So I tried to call BOA 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!

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 11-09-2017 about Debt collection (Credit card debt) with DISCOVER BANK (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Consumer Loan (Vehicle loan) with CITIBANK, N.A. (NJ).
Issue: Managing the loan or lease

Complaint: Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.

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 11/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Other

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Macy 's numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Macys XXXX XXXX XXXX & XXXX Sincerely, 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 non-monetary relief
Consumer complaint received 02/25/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been making regular payments of ~ $ 180/month on 2 loans which were consolidated after I stopped going to college in XX/XX/XXXXand my forbearance ended in XX/XX/XXXX. The total loan amount for the 2 loans was XXXX in XX/XX/XXXXat 4.875 %. I have literally been paying for these loans for 16 years and they have NOT reduced in amount due. The loan was sold from XXXX XXXX to another company and from that company to yet another. I have since lost track of how many times this loan has been sold but it is now owned by Navient who just recently sent me new paperwork regarding a forbearance which I did not have on my loan. They have now " updated my payment plan '' which puts me right back at owing the original amount to pay off for another 16 years. This loan should have been paid off years ago. I know I am being scammed and my payments are literally being stolen at this point. I have no idea how to stop this from happening and I do not want to have to pay yet another 16 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I noted on my credit report that there was an account in collection, placed at IC System, in XXXX XXXX, MN, for a debt related to " XXXX XXXX XXXX ''. 

I called IC System, and they said it was for XXXX XXXX XXXX services at " XXXX XXXX '', in XXXX, TX. I live in XXXX, TX, and have never lived in XXXX, and have never used the XXXX XXXX XXXX service. The representative stated that I would need to go to XXXX, and fill out a police report, and file a fraud complaint. I believe this invalid credit reporting should be removed from my credit report, as this debt is clearly not 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 01/21/2016 about Consumer Loan (Installment loan) with Pinnacle Credit Services, LLC (FL).
Issue: Managing the loan or lease

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation