milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I " was '' attending XXXX. They recently dropped me from the classes implying I was n't showing up for class. I explained to the dean way before classes started, that I could n't go due the my personal issues, so I would like to take online classes. The School moved in XXXX XXXX 2015 from a half hour from my home to XXXX hour from my home. Giving all students 4 days notice of the school moving. my classes would not show online then they accused me of not going to class at all. I sent several emails asking for my transcripts and a policy but I have never received the policy on drooping students. I never received my transcripts be cause they told me a month later I owe a balance which was not brought to my attention until I wanted to retrieve the documents. I was told I would graduate and earn a good paying job but no one wanted to even look at my resume when I explained I am in XXXX School. Not even for an XXXX. I am embarrassed and broke ( debt wise ) I returning to a XXXX college to receive the recognition I need to proceed in life. I had made some mistakes in life not knowing what career field to get into but I certainly made a big mistake when I went back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: EXPERIAN  I WE NT ON ONLINE TO GET M Y CREDIT SCORE  THEY CHARGE MY CARD FOR {$1.00} I RECENTLY DISCOVERED THAT SINC E 2016 THE Y HAVE BEEN CHANGERING MY CARD {$24.00} A MONTHLY I CALLED TO RESLOVE THE PROBLEM FOR A REFUNG BECAUSE I WAS UNAWEAR  OG THE CHARGERS BUT THEY ONLY REFUND ME FOR ONE MONTH {$24.00} AND  TOLD THEY GIVE ME THERE FREE ACCOUNT I TOLD THEM I DONT WANT THAT I WANT TO BE REFUNDED FOR EVERY MONTH THEY CHARGER MY ACCOUNT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to Describe Section of XXXX and XXXX. 

All related to multiple account # 's issued to same home and prohibiting any possible private investor to consider paying Wells Fargo when accounting issues and novation contracts involved with home as determined by Certified Fraud Examiner. 

Please also refer to recent extensive financial ruin initiated XXXX XXXX XXXX XXXX XXXX XXXX and Recorder 's office due to a Legal Doc Assistant suggestion of Acceptance of Deed and Grantor Trust ( just like a Living Trust ). These agencies have blocked me from securing new employment. Thus, harmed my chances of possible modification or other options. This recent event happened on XXXX XXXX, 2016 due to a XXXX investigator abusive communications over a phone -- - and clearly trying label me a Sovereign Citizen due the non-standard docs created by XXXX BUT approved XXXX XXXX Counsel and Supervisors at Recorder 's office. Again, I have a warrant for my arrest due to the XXXX leaving out the words '' Except for this liens in public record. '' I can not lose my home due to the uninformed XXXX investigator. This event has been horrifying and I ask Wells Fargo to please provide me material disclosures, and give me time to recover from XXXX event and secure possible modification or other settlement resolutions in case material disclosures were not issued to me concerning the use of my home and credit file.

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 01/28/2016 about Bank account or service (Checking account) with MB FINANCIAL, INC. (IL).
Issue: Problems caused by my funds being low

Complaint: The bank overcharged me for a service on my debit acct. I called the bank and tried to rectify the situation : I am a XXXX XXXX and I went to their branch office and tried to put the money an ATM and the bank did not have a machine for me to put in the funds. And then, I called them and asked them if I could put the money in by the closing of the business day and they refused. I want my overcharge removed from my acct. I was not treated appropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Application, originator, mortgage broker

Complaint: Nationstar mortgage i feel like is harassing me.Im not even 2 months behind they sending me different amounts saying they are going to foreclose

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX XXXX, 2017, Wells Fargo in XXXX, MN accepted and signed for a XXXX XXXX overnight pkg that contains 2 checks to pay off my 2 Wells Fargo accounts. One being a Personal line of credit with the check amount of XXXX and the other amount of XXXX. Wells Fargo has no knowledge of where these checks are to pay my accounts in full. I would like this investigated as I have already contacted Wells Fargo twice and have received no assistance with whom to contact to investigate this matter on my own. 


XXXX, 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 09/15/2017 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: Credit inquiries on your report that you don't recognize

Complaint: I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, I have no accounts associated to these inquiries. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage with Bank Of America. I have been for the last 10 years showing them that I am not in a flood zone. I have pulled flood certification directly from FEMA showing I am in Zone " XXXX '' that does not require flood insurance. They have always come back and stated I am getting forced paid flood insurance. I do not on my XXXX. mortgage have flood insurance as the lender if XXXX XXXX and state I am not in a flood zone. I am not able to sell my home as I would have to state in flood zone, I am not able to refi my XXXX to get away from them as my value will not come in. They told me I need to get a letter from FEMA /LOMA . In order to get FEMA to give me a letter as they stated I am in zone " XXXX '' I need to get an engineer to provide grades. I finally saved the money to get this completed this year. The engineer came out to my house and stated you are not in a flood zone. Your structure is the highest on your block. I stated I know as no one on either side of my home needs to have flood insurance but Bank of America tells me I do need it. The engineer completed the paper work, I paid the money. I then sent in all my paper work to FEMA and FEMA sent me the LOMA. The letter stated that I am in zone " XXXX '' and that my structure for my home is in flood zone " XXXX ''. I sent everything over to Bank Of America several times with in the past 4 months and Bank of America keeps sending me the same letter for what I need to do to get out of a flood zone and not have forced place insurance on my home. This is very stress full as I did what they told me, I have been going round and round with them for the past 10 years. I need help, I can not sell my home as would have to state I am in a flood zone on the Illinois state Real estate disclosures, I do n't have the money to pay them off out right and ca n't refi as I am still upside down like most on my value of home. Please I need someone to help me as this is not correct. I have done everything and provide proof over the years to show I am in zone " XXXX ''. They have added on money to my amount I owe them in my balance to cover the force placed insurance over the years. Please help me as I am not in a flood zone.

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 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: my bank was levied suddenly and it was until then that I realized I had been sued. The debt was from sometime in XX/XX/XXXX-XX/XX/XXXX, the judgment was left at my mothers address, which I did use at one point as a mailing address, however, I had not received any further communication since then. I received a notice from post office for a certified letter from " XXXX & XXXX '' but it was by COD and because I did not know who that was from I did not pick up. I requested a validation of debt, they sent me the alleged creditor and amount, however, I do not recognize any of it. The alleged original amount is about {$2000.00} and now they 're saying I owe about $ XXXX. What are my rights?

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Contacted by National Credit Adjusters , LLC and verbally told that XXXX XXXX was going to take me to court and sue. Did not tell me the amount, or provide paper verification of the amount of debt. 

I paid {$1500.00} and agreed to pay another {$1500.00} on XXXX XXXX. I have since called my bank to stop payment on the XXXX XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with CREDIT ACCEPTANCE CORPORATION (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit history request- never authorized, company not recognized

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 11/28/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (MI).
Issue: Taking out the loan or lease

Complaint: I was approved for a {$5200.00} loan after submitting my bank statements and proof of income. I signed the online agreement and received my terms ( I had originally requested {$6500.00} but lowered the amount during the approval process ) .Then, citing a system glitch, I was asked to resign the online agreement, which I did, and the following day received confirmation the loan was approved. 

However, this loan was for the difference of the original amount requested ( {$6500.00} ) and the first approved amount ( {$5200.00} ) and {$1300.00} was what I received. I have all the paperwork proving they approved {$5200.00} and the payment schedule was set. I contacted Avant regarding the error and asked them to correct the mistake. I was told the original loan documents were sent in error and, upon review of my account, they can not approve {$5200.00}. 

While I understand terms and conditions may change during the approval process, my terms were changed AFTER approval and an agreement between the company and myself was signed for the agreed upon amount of {$5200.00}. 

The approval document for {$5200.00} was issued AFTER review and confirmation of my employment, income and credit history, not before, so any claim of an error that resulted in a review of my account finding me unworthy of approval is questionable, if not outright deceptive. 

I believe an error was made, however, I believe it was human error. Instead of acknowledging this, a " system glitch '' was cited rendering the original contract for {$5200.00} invalid and now the company will not rectify the situation to provide the funds originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Payday loan) with Secure Capital Management, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a phone call from my mother stating that some contacted her pertaining to a legal matter and wanted to meet me jn person. I returned the a message o my phone from the same person who answered the phone " hello ''. I told them i was returning a call and he said my name then started asking personal questions. I interrupted him and stated I would give no information without verification of who he was. He mumbled " SCM '' a few times before i asked him what " SCM '' was. after a few times of asking he told me Secure Capital Management. He asked when the best time would be for me to be home and meet someone who would be delivering me certified legal papers for me to sign. He then went in to give supposed details of the balance owed, to whom, the date opened, and what he could settle it for. I told him I would contact my legal counsel and they could deliver the paperwork to him. He stated he had to have this taken care of by end of business today or they would go forward with garnishment and court proceedings. I let him know that it would cost them way more to take it to court than the little {$390.00} balance I was to supposedly owe, all I want is official paperwork proving the debt. I told him I would need confirmation of a debt owed and he stated that its legit and would be on me to prove its not because all my personal information was tied to it. I told him I had no problem paying the balance if I received paperwork or something showing this debt owed was true and the company was real, I explained to him I was not handing my personal information over unknown if it was a scam or not because how he answered the phone and with never receiving a bill or phone call prior to this date. He stated that he would send me an official email but I had to call him back within an hour so he could follow up with the clients for further legal action if needed and I ended the call. He never relayed to me that it was an attempt to collect a debt and any jnformation would be used for that purpose. I confirmed with original debtor that there was an outstanding balance and did call the company and spoke to another staff to pay the debt. Debt was paid but he did relay the information I requested from him that the original staff name was XXXX XXXX who gave out my information without ensuring it was me, did not tell me that this was a call to collect a date, and that was dishonest about it having to be finished today or court proceedings would begin. Can theh call and tell you to set up a time to have someone meet you to sig for certified legal paperwork? I thought court papers would be mailed certified amd signed for through XXXX or delivered by county sheriff and signed for through them.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was leaked and my information was potentially included. Really disappointing and now I 'm scrambling to make sure my identity is n't stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Billing disputes

Complaint: In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX 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 monetary relief
Consumer complaint received 11-04-2017 about Debt collection (I do not know) with ERC (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting calls from ERC ( XXXX ) asking for someone like XXXX XXXX ( the name is unusual. ) I have told them I am not associated with any such person, have never known anyone with such a name and to please disassociate my number from her overdue account. They apologize, say they will remove my number from her account, and then call me again the following month!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Diverse Financial Enterprises (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company calls me 10-15 times a day. Also, they know that even though my number is registered in California, I live in Colorado because I have told them this repeatedly and they have my address. They continue to ignore this and call me early morning and after XXXX XXXX. It is bordering on harassment

Company response to consumer: Untimely response
Consumer complaint received 01/24/2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.

Company response to consumer: Closed with explanation