milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Within the past couple of years, I have has so many issues with the student loan servicer NELNET. It all began in XXXX XXXX, this was my last semester in school. My parents had already warned me that I needed to make sure that I filed for a deferment or set up a payment plan because the damage that student loans could do to your credit would be life changing. I began being contacted via mail in early XXXX XXXX about my loan payments and I quickly went off the information needed for a deferment. I never received confirmation that I was approved or denied. The lettters stopped and I did n't worry. In XXXX of XXXX, I received a letter informing me that Nelnet was reporting me to the credit reporting bureaus because I had passed the 90-day late payment mark. I immediate set up payments and asked why I had n't received any letters regarding the end of deferment. At the time I was informed by the phone representative that she did not have access to that information but with automatic payment the late-payments would be removed within a year. Since XXXX XXXX, I have been in constant turmoil with Nelnet. I have been told that no such " forgiveness '' exists and I have been told that I was contacted in XXXX XXXX via an email address that was provided by my school in XXXX. I asked why would they use an old email instead of contacting me via mail when that had always been my preferred form of communication. I was then told by a supervisor in the dispute department that as my loan service provider they had the authority to communicate with me whatever method that they choose. If I never needed to borrow money for school, I would not be in this situation for anyway. I was told that there are no options, I can have automatic payments for years and nothing would ever change on my credit and that it is my responsibility to contact them regularly to check on the status of my loans. He then went on to suggest that I just XXXX it up and deal with the damage toy credit.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: RE : Nationstar MortgageNationstar purchased my loan from XXXX XXXX XXXX and I have been nothing but unhappy. They are charging unnecessary late fees, that keep accruing because they will not accept any of my payments. I have requested a loan modification and I have to repeatedly resend documents I know they have received. When I call customer service they keep transferring me and I have left several messages for them to call me back. They have sent foreclosure letters but I can not get any one to answer my questions as to why. My home insurance company has stated they have n't received any payments from Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient added {$700.00} to each loan original amount and plus increased my interest rate on a couple of loan to 10.25 %. Payments have not been calculated accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Medical) with Support Collectors, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: In XXXX XXXX, XXXX, I opened an account with Huntington National Bank. I requested an account that do not charge any fees. Banker XXXX XXXX assured me the account he opened for me had not management fees involved. They provided me with their " Huntington Plus Checking Account '' which is free of charge. Since opening the account until XXXX XXXX no fees were charged. In XXXX XXXX, they started charging {$15.00} for checking accounts. I have not noticed the charge until XXXX XXXX. My account was charged {$160.00} in fees during the period between XXXX and XXXX XXXX. I approached a banker with last name XXXX at the XXXX XXXX XXXX XXXX branch ( XXXX ). She refunded {$40.00} but she said she needed authorization to refund the remaining {$120.00}. Then she modified the account and the fee was waived since XXXX XXXX. In XXXX XXXX, I asked her what happened with the additional refund. She told me that since the claim was that old, she was able to refund only {$40.00}. I need your assistance in this claim. The bank has not honored its promise and without notice, it starting charging the fee which I did not authorized. My account No. XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was settled and closed. It appears that its been resold to ERC to again illegally collect on a zombie debt. I did contact ERC about this issue with no response. Instead it was reported to both  XXXX   XXXX   &   XXXX  as a derogatory mark on my  credit score .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Late fee

Complaint: I have credit cards with CitiCard and XXXX XXXX XXXX. I mail in payments a week before the due date but they are posted the day after the due date and late fees are charged. When the companies are contacted, I 'm told " we do n't have control over the Postal Service ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-09-2015 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from gulf coast collection agency about a debt they said I owed. I said that I was the person that they were looking for and asked what the debt was about. he asked for personal information which I would n't provide unless he told me what the debt was and told him again that I was the person and he called me and without him verifying information I could n't give him any personal information at which time he said unless I gave him personal information he would hang up which he did and then posted negative information on my credit report. I want the negative information removed from all reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-05-2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: THE CITIZENS BANK ON XXXX XXXX AND XXXX XXXX WHICH IS LOCATED AT XXXX XXXX XXXX XXXX. THE MANAGER XXXX IS VERY DISRESPECT TOWARD ME THIS IS NOT THE FIRST TIME. I CAN NOT CONTINUE WITH THIS BANK WHICH IS CLOSE TO MY HOME AND I DO NOT LIKE GOING IN THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Trouble during payment process

Complaint: WELLS FARGO HOME MORTGAGE SECONDARY HOME MORTGAGE I AM REQUESTING BALANCE OWED, DAYS LATE UNAPPLIED FUNDS BALANCE ON DATES THAT MY HOME WAS INSPECTED AND DATES AND AMOUNTS OWED WHEN LOCKS WERE CHANGED. 
WELLS FARGO RESPONDS HOWEVER THEY NEVER ANSWER THE SPECIFIC QUESTIONS AS TO DATES THAT INSPECTIONS WERE DONE AND THE AMOUNT I OWED ON THOSE DATES. 
THIS WAS A 10 YEAR LOAN I OWED LESS THAN {$10000.00} HAD A HICCUP IN MY LIFE FORGOT TO PAY THE REAL ESTATE TAXES AND THEN WELLS FARGO & I PAID THEM ON THE SAME DAY THEY STARTED TO ESCROW - IT WAS THE LAST 10 MONTHS ON THE LOAN!! THEY ALSO STARTED TO, MISAPPLY MY PAYMENTS FOR THIS LOAN AND THE ONE FOR MY PRIMARY HOUSE, THEY KEEP SITED THAT THE HOUSE WAS VACANT - IT WAS FURNISHED AND UNOCCUPIED SINCE IT IS A SEASONAL RESIDENCE. THE LOAN WAS PAID OFF NOT FORECLOSED - I AM ASKING FOR DATES OF INSPECTIONS, THE NAME OF THE VENDOR, THE AMOUNT I OWED ON THOSE DATES. SOMEONE TOOK ALL OF MY FURNITURE, AS WELL AS A TRACTOR AN XXXX HOUSE TRAILER --  WELLS FARGO IS DENYING RESPONSIBILITY. WHEN POLICE WENT TO HOUSE DOORS AND WINDOWS LOCKED BUT NO FURNITURE - WELLS FARGO ONLY ONES THAT HAD THE KEY

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 12/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have submitted a dispute to XXXX as well as credit bureaus about XXXX derogatory accounts listed on my credit report in error, but they have not removed the accounts from my credit. In XX/XX/XXXX my father paid in full all outstanding student loan debt to Sallie Mae ( now Navient ). In XX/XX/XXXX XXXX XXXX years after the accounts were paid in full ), XXXX Mae/XXXX listed the same XXXX loans on my credit with derogatory payment history during XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is impossible to be " late '' on payments on accounts with a zero balance. I have contacted XXXX by phone once and in writing once. I have submitted a formal dispute to the credit bureaus once. The outcome was that Sallie Mae/XXXX was able to validate the debts. Again, there is absolutely NO POSSIBLE WAY that they can validate derogatory payment history on accounts with a XXXX balance since XX/XX/XXXX - that 's XXXX years ago, beyond the statute of limitations for reporting negative credit history. I do not want to go through litigation, but if these accounts are not removed, I will hire the best consumer law attorney that I can find to represent me, and I will seek the greatest possible compensation for Sallie Mae/XXXX violation of FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Fraud or scam

Complaint: Posted Bedroom furniture on XXXX for {$1000.00} ( XXXX/XXXX/16 ). Was contacted by XXXX XXXX XXXX. He said was on assignment on XXXX. Would have assistant send money order for {$1000.00} to cover furniture + {$40.00} to hold. Later notified that assistant made mistake sending XXXX {$980.00} money orders ( MoneyGram XXXX and XXXX ) instead of XXXX for {$1000.00}. He asked if I could send change of {$930.00}. I was suspicious, but when I took money orders to XXXX XXXX branch ( XXXX/XXXX/16 ) in XXXX XXXX, NJ was told by cashier ( XXXX ) that the money orders were " good '', " same as cash. '' I made the mistake of believing the cashier. I sent a MoneyGram money order to XXXX XXXX XXXX in the XXXX ( MoneyGram Reference XXXX, XXXX/XXXX/16 ). On XXXX/XXXX/16 XXXX XXXX returned both deposited money orders as " fictitious. '' I went to XXXX XXXX and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). I contacted MoneyGram and eventually was told there was nothing they could do ( XXXX/XXXX/16 ). MoneyGram case XXXX. XXXX told me I should contact the local police. I filed a police report with the XXXX XXXX police ( XXXX/XXXX/16 ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/20/2017 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Bankruptcy A-Discharged CH-XXXX XX/XX/XXXX I have disputed this several times. XXXX XXXX deleted this permanently. This needs to be taken off my report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Have them to send me the original contract with my signature agreeing to do business with them. They will not find it. Have them to remove it from 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 non-monetary relief
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX XXXX ( XXXX-XXXX ) They 've taken it off my report and re added it before investigation was done, and took more then 30 days to initiate any type of resolution. XXXX XXXX XXXX Did not even submit it to company, had results before Day was over, so did not try to get correct information on account as it 's settled. XXXX and Transunion. 

XXXX XXXX XXXX XXXX {$460.00} XXXX They did not contact creditor to update, settled account, this account was n't even mine, documents sent to creditor and submitted to XXXX, Transunion should not be on report as shown. 

XXXX I have no liability for this account and should be removed, this account has transferred to new account with student XXXX XXXX, and was in a criminal investigation and letters and file block was sent to XXXX per the XXXX XXXX XXXX, FTC and should be removed. XXXX XXXX and Transunion both have continued to lock me out of viewing and correcting my report by submitting documents, emails, and other forms of proof to substantiate my claims as they will not abide by the laws of the FCRA and should be held liable as pursuing legal actions toward them, other bureaus have used submitted documents and removed accounts in question. I constantly have fraud alerts added that I do not initiate and do not want or need on my reports and want that stopped immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: I checked my Bank of America account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I requested to have the XXXX XXXX XXXX trade removed from all CRAs. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i n 2010 someo ne filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has  to be remove

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