milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (HI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I was contacted by ECMC Loan Rehabilitation Company Contact Info : XXXXXXXXXXXX. 
ECMC Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX They stated I still owed on my school loans and if I paid {$25.00} per month for 9 months they would get me out of default and my taxes would no longer be offset. Since I had n't completed my XX/XX/XXXX taxes as of that time I agreed so I could get some money back on my tax payments. 

After paying for a few months I had n't received on statement of my account and I had also requested MULTIPLE times to have a record of all payments made into the loan via my tax offset.They would promise info and never deliver ANY information I requested. 

I received a call on XX/XX/XXXX letting me know I had hit my 9th payment ( total paid {$220.00} ) and now my loans are out of default and now managed by XXXX and they will be taking {$150.00} out of my bank account ever month until XX/XX/XXXX. THIS MADE NO SENSE WHAT SO EVER! I only had a little over {$14000.00} in loans taking on originally - there WAS NO WAY I owed that much. 

So i then called IRS Taxpayer Advocate Service at XXXX - XXXX XXXX XXXX then informed and confirmed that I had my taxes offset to pay the loan debts in XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$6200.00}, XX/XX/XXXX {$5300.00} a total amount of {$15000.00} been garnished by tax Offset payments to the four Stafford loans I took out in XX/XX/XXXX-XX/XX/XXXX or it may have been the XX/XX/XXXX-XX/XX/XXXX School Year at XXXX XXXX XXXX XXXX. 

I have now faxed the XXXX XXXX XXXX XXXX at XXXX and faxed a letter requesting all records of Offset payments and to whom they were paid to, dates and amounts to prove that I have almost paid of ( if not ALL paid ) the loans paid via tax interception. Please help as I do not know what to do and do not want this escalating any further - I will be calling a lawyer as soon as I receive the records of offset payments from my tax returns. 

Contacted XX/XX/XXXX : XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX  informed me there was NEVER any payments made to the loans as far as they could tell and that I owed the full loan amounts - Denied any record of tax interception or offset payments made to the loan - I let them know that I had contact the IRS and have confirmed the loans have been 95 % paid if not 100 % paid through tax offset payments starting for XX/XX/XXXX to XX/XX/XXXX. They denied any claim to the loan having been paid at all. Please HELP!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX through XXXX charges me outrageous late fees, refuses to work with me on making these payments, then tries to take money from my bank, causing me to get overdraft fees. Customer service representatives call me on a daily basis, are rude, and are unhelpful.

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 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: As of XX/XX/XXXX I qualify for XXXX ; therefore, I contacted XXXX/Navient to complete the corresponding documentation necessary to have my Private Loans Discharged. I was informed by multiple reps that I was unable to complete the necessary forms, make any payments or access account info because my co-signer had filed bankruptcy. Once the bankruptcy was finalized, I requested the forms necessary & provided Navient with my Social Security Admin Hearing docs reflecting my Specialists had proven I met the criteria for XXXX. Regardless, Navient required their forms be completed by my Dr at my own expense. As requested, I submitted the forms & was approved for XXXX. As a result, Navient then tried to transfer my loans to my co-signer. I refused to allow the loans to be transferred & requested that their legal dept review my request for complete discharge. I left numerous messages for Navient 's legal dept requesting a follow-up on my XX/XX/XXXX complaint & never received a response back. Additionally, I contacted Navient today & the rep confirmed that legal is still reviewing my complaint & has not responded ; yet, Navient continues to collect on the loans despite the fact they should have been discharged per the XXXX XXXX XXXX Discharge Approval. I have continued to pay the monthly amounts in order to avoid Navient reporting negatively on mine and/or my cosigner 's credit report. As a result, I believe Navient is illegally collecting on loans that should have been discharged a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: WELLS FARGO KEEPS REPORTING THE MORTGAGE ACCOUNT THAT WAS CLOSED AND PAID OFF MANY YARS GO. BUT THEY ARE REPORITNG IT AS OPEN, ACTIVE AND BALANCE PENIDNG.. THIS IS VIOLTION OF FCRA AND WELLS FARGO RESPONDED STATING THEY " WERE NOT ABLE TO DETERMINE THE SPECIFIC CONCERN I HAD ABOUT MY CREDIT ' WHEN I CLEARLY STATED IT IN MY LETTER TO THEM AND ATTACHED A COPY OF MY CREDIT REPORT SEE ATTACHED AS EVIDENCE

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 01/28/2018 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Struggling to pay mortgage

Complaint: My father XXXX XXXX XXXX XXXX in 2014. We did not settle his estate through probate. His surviving spouse has been living in the home that my sister and I shouldve inherited 2/3 of. The wife isnt on the deed or mortgage. 
The bank, XXXX XXXX, foreclosed on and sold the house through statutory foreclosure. 
The only person they notified of the foreclosure was the spouse. 
The bank did not try to settle the debt with estate. The only person they contacted was the spouse. She is not the executor of estate nor is she the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (OR).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX I was supposed to receive a payment of approximately {$620.00} in my XXXX XXXX for selling bitcoin on coinbase. Coinbase.com has been unresponsive so far about the missing payment. They shut down their phone line and are no longer taking calls. 

In my account history it says the payments have been complete. However if have not received my owed money yet from them. They have been completely unresponsive so far. 

The transactions are as follows : XXXX XXXX - Checking {$4.00} USD Completed XX/XX/XXXX XXXX XXXX XXXX - Checking {$610.00} USD Completed XX/XX/XXXX So far I can not reach anyone at coin base. I 've tried calling, submitting claims, and messaging support via XXXX. They have stonewalled me so far

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Unjust Enrichment of my Escrow monies on a new loan originated on XXXX XXXX. 
" I received your reply dated XXXX XXXX, XXXX. 
I still contest the ledger on my escrow account is wrong. The investigation is not conclusive in regards to my request because it does not address the core issue with the accounting of my escrow monies. The escrow transfer credit on line XXXX is the correct amount @ {$7000.00}, but these funds were intended to be paid out at the time of closing to our Village and our Insurance company for XX/XX/XXXX invoices. The estimated escrow payment at origination was and still is enough to cover all of the escrow expenses that have occurred, and the projected expenses for the near future, with the overage originally calculated and applied. 

Your letter is showing a negative adjustment to the escrow account for {$7000.00} ( I 'm assuming to fund the taxes and insurance ), which would put the escrow balance at {$1200.00} at the time of closing. But your reported escrow balance is not true because Nationstar did not pay the entire property tax bill at the time of closing. The starting escrow balance, and our escrow payments in XX/XX/XXXX were enough to fund the taxes and insurance for XXXX, XXXX, and will be for XX/XX/XXXX. ( Including escrow padding ) The amount of {$3400.00} was not an 'advance ' in XX/XX/XXXX, it should have been CREDITED from your stated escrow balance of {$8200.00}. And the tax payment was short, and I had to contact Nationstar to make the additional payment of {$2400.00} in XXXX XXXX - which is a LATE payment. This amount should also have been credited from the stated escrow balance. These XXXX payment total {$5900.00} to the Village of XXXX XXXX - not {$7800.00} ( as stated in your reply letter ). Also, at the closing Nationstar cut a check to XXXX for hazard insurance for {$1200.00}, which should have been credited from the escrow balance. Nationstar 's ensuing management of my escrow monies and account charges are negligent at best. And the amount of harassment put, as a responsibility on me is unjust and erroneous. The errors have all occurred as a result of Nationstar mishandling my escrow ledger. This was election I made to make my accounting simpler - I do n't need to have an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: The answer to the complaint XXXX is totally wrong. There is no correlations between the deposit between XX/XX/XXXX and the deposit on XX/XX/XXXX. Both of them come from a XXXX XXXX account, but from different CHECKING ACCOUNT. One of them is Personal and the other is Business. I do not receive my money yet. 

My complaint is about the deposit on XX/XX/XXXX, The check number is XXXX. 

Please, feel free to verify the information provided by me in the attachments.

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 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In 2015 I agreed to a debt consolidation with XX/XX/XXXX for my account that was in collections, to be payed current and removed from collections. Total ( {$6500.00} ) Which was broken down into 5 accounts. 

The agreement to settle the debt and remove the account from collection was to make 10 months of on time payments then the debt will be consolidated as one account and all negative accounts would be deleted.

I made my 10 months payments on time as agreed and proceeding the interim four out the five accounts were deleted and removed, then consolidated into 1 new loan. One account remained with negative remarks on my credit report.

This was an error and the one negative account continues to remain as a blemish on my credit report, that is deterring my goal of owning a home. With the loan being paid and current as agreed I 've contacted the XXXX to remove this account as they said they would but to no avail thus far. ( This account remains with {$0.00} 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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On about the dates of XXXX-XXXX through XX/XX/XXXX I went online to Equifaxs online dispute platform to file a dispute of accounts that are listed and should not be there.Today is XXXX-XXXX and They have not provided me with the results of the investigation. This is a complete violation of the FCRA. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First of all, it 's not a debt. I do n't owe anything to XXXX XXXX XXXX ; however, Continental Credit Ctrl reported this on my credit report with XXXX. I did have XXXX but everything was paid in full. I even went to my online account and it shows {$0.00} balance. I do n't know how they got this incorrect information and it 's very frustrating. Please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ConServe (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Was unaware of debt owed and no contact was attempted by the collection agency or the school. I found out when I received an email from my credit report monitoring company contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: My vehicle was taken in the end of 2013 due to job loss and non payment. I was never notified when the car was taken to auction and sold so I did not get the chance to reclaim it. 
Than the finance company then at a later date claimed a XXXX for the remaining balance in my name and now they are reporting it as a new open debt for the money that was already given to them based off of that XXXX that I was taxed on. They have also put that " debt '' on my credit from a recovery company so they are reporting the " debt '' twice showing more, different negative reporting on my account for the same debt. The company that sold me the vehicle also re structured my paperwork 3 times when I signed up for the car, causing my monthly payments to be more than I originally agreed to which is another reason I could n't make the payments. The payments were almost XXXX more than I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Debt collection (I do not know) with EOS Holdings, Inc. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX my loans went into forbearance without my consent. I filed a complaint about art institute and in XX/XX/XXXX and Naviant. When that complaint was processed they must have put my loans in forbearance. I was on autopay and now it 's stopped. I 've called naviant but do n't have 1 hour to wait on the phone only to get a callback. I 've emailed them. <P/>Naviant was calling my phone 8 times a day before this even though I was on autopay. Not sure how to handle this. My interest rates are so high that I 'm not touching the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Prospect Mortgage, LLC (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with DriveTime (KS).
Issue: Taking out the loan or lease

Complaint: On XX/XX/XXXX I purchased a XX/XX/XXXX XXXX Note from DriveTime in XXXX, KS. The Sales Representative XXXX said the " optional '' warranties were cancellable. We stated we did not want them prior to the contract and sale. She did not act to remove the warrantee products that were financed. I should have known better. She gave me the understanding that they were required, despite the optional nature indicated in the contract. This was recorded. There should be a record that we did not want the warranties. Her inclusion of the XXXX products in the contract should not have been done given our misgivings about the products and the lack of need for their coverage on a XXXX mileage vehicle. DriveTime has a history of sanctions by this Federal Agency for collection practices. This sales practice is unfair and deceptive. The warranty should not be automatically produced in the contract for the sale, increasing the almost XXXX percent APR financing of the {$5200.00} for GAP, Service and Anti-theft warranty products. I signed the contract with the understanding I did not want these XXXX products. The representative failed to remove the products from the contact, stating they are cancelable. I was not able to execute the cancellations until today, XX/XX/XXXX. The product is prorated and financed. I requested their customer service representative to pull the video of the contract signing. I specifically stated I did not want these products and the sales representative failed to remove them.

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 09/17/2017 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: My information was compromised in the Equifax data breach. I did not authorize sharing my personal credit information. Equifax was irresponsible in its security.

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

Complaint: According to Equifax 's website, my personal information was affected in the latest data breach that occurred from mid-XXXX through XXXX 2017. This breach occurred as a result of Equifax 's failure to take a reasonable, prudent level of care to protect the information from theft. As a proximate result of Equifax 's failure to take proper care, my information and the information of approximately 143 million American consumers was stolen by unknown persons, and may be used to commit crimes and other harm against myself and/or others, either now or in the future. The potential harm that I face as a result of Equifax 's failure to take reasonable care ranges from simple theft and inconvenience, all the way up to total financial ruin.

Company response to consumer: Closed with explanation