milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is the servicer on my loan and makes payments from the escrow it holds for taxes and insurance. 
My insurance agent sent on XXXX/XXXX/XXXX a certificate of insurance for XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and an invoice in the amount of {$4300.00} ( copy enclosed ). This invoice was not paid by Nationstar until XXXX/XXXX/XXXX ( proof enclosed ). In the interim period on XXXX XXXX, XXXX Nationstar issued a check number XXXX on a false and fraudulent invoice to a XXXX and check cleared XXXX/XXXX/XXXX. I finally got this payment information from Nationstar on XXXX/XXXX/XXXX after many calls and complaints. I was also given the policy number XXXX and the general phone number for XXXX XXXX XXXX ( XXXX XXXX XXXX and the accounting department XXXX XXXX XXXX and told to contact them for a refund. I have contacted that number and been told that the agent is out of the office and will return my calls. I have also requested from Nationstar a copy of the certificate of insurance issued by XXXX XXXX for the period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and none has ever been produced. 
I only became aware of this double payment when I was doing my income taxes for XXXX in XXXX XXXX and noticed on the prior escrow analysis ( copy included ) that Nationstar paid out of escrow {$4300.00} in XXXX XXXX and {$4300.00} in XXXX of XXXX. I had never received any notice from them regarding my property insurance after they double paid. Basic escrow management of insurance disbursements were ignored in a negligent manner. If I or my insurance company had been notified in XXXX of XXXX regarding this double billing we would have solved it. Since this double payment was a result of their negligence to follow basic requirements I should be reimbursed for their error and proper adjustment made in their procedures to avoid having this happen again. I have no idea who this XXXX XXXX XXXX is and never authorized their coverage. Nor should it be my responsibility to unwind their error and seek the reimbursement myself. 
This sloppy management gives my concern that Nationstar has far wider problems with servicing their loans and escrows and should be investigated further to get at the source of this mistake and if this is a systematic source of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans for grad school were transferred to NelNet in XXXX. I made payments on several occasions paying ahead, but every single time I set up the autopay so it would continue paying. I had some issues with it in XXXX but thought I finally had it working. As I was completing my taxes this year I realize the autopay was again switched off. It 's entirely possible I made an error at some point, but I ca n't tell you how many issues I had with their autopay. I received monthly bills with {$0.00} due this month. I realize now they mean I do n't have a payment due until XXXX. They 're just letting the interest accrue again since I paid ahead! It 's my fault for not catching it sooner, but I was very sure my loan was being paid on this whole time and may have confused it with NAVIENT, my other loan servicer who I 've completely paid off and also receive " {$0.00} due '' messages. So rather than paying down my loans like I thought the last two years I now owe more than I did previously. This is UDAAP at its finest. While my own ineptitude contributed to this, I think NelNet should be put on notice for terrible servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Debt collection (Non-federal student loan) with BRAZOS HIGHER EDUCATION AUTHORITY, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In XX/XX/XXXX, I filed bankruptcy which included all of my private loans, credit cards, and past due bills. From that point in time, I have been financially responsible and have maintained a positive credit profile. Recently ( within the past XXXX months ), a company XXXX XXXX XXXX has contacted me multiple times a day, contacted my wife, and family members that I have not seen in years. They have claimed that my debt is now due and that after XXXX years, it is still valid. I initially attempted to explain to them that my debts were addressed during the BK and those that were n't are current ; however they did not accept that and in XX/XX/XXXX, reopened a collection account without my knowledge, approval or written notice. I found this out today, when I pulled a credit report after seeing a denial of credit from a lender. I received no written notice of a revival of a debt that no one has contacted me about in a decade and as of yesterday ( XXXX calls alone in a XXXX hour window ) they have increased their call XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-02-2016 about Bank account or service (Savings account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: XXXX XXXX ( no longer employed ) opened an account with a {$400.00} credit to me after 90 days for achieving the minimum balance requirements. I met these requirements. Citibank did not hold up their end of the bargain and my money has been tied up for four months. When I called the branch manager XXXX XXXX he hung up on me. I have tried to call the district manager XXXX XXXX but have had no success. 
i have had similar problems with Citibank in the past. Reminds me of 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 08-05-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: My installment loan through Wells Fargo has always been paid on time with no issues for the life of the loan. In XXXX 2015 I was locked out of my on-line account and could not resolve the issue or log-in. Therefore I was not able to make my monthly loan payment on time as I always have. Prior to XXXX days late, I finally spoke to someone in person ( their automation system is horrible both on-line and via phone if you do not know your account number, etc ) and told them I mailed a check and asked specifically about it being reported late. I was told that it was noted, not an issue and I did not need to worry about it. 

A few days later I got a credit notification that I had a late payment. I immediately called Wells Fargo and had them reset my online account and paid again, effectively XXXX-paying for XXXX. I complained to my agent and asked to speak to a supervisor ( which I was hung up on ). After calling back I was told that there was nothing they could do and said to contact the credit agencies. 

I have tried disputing the fraudulent claim on my account XXXX through XXXX without resolve. I am desperate to have Wells Fargo fix their error as this lowered my credit score over XXXX points and I am in the process of building a home. They had the audacity to call me and ask if I wanted a car loan! 

This is my last step prior to seeking legal action against Wells Fargo and/or the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (Credit card debt) with Global Resolution Group, LLC (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Calls repeatedly and is extremely rude. Never works with helping you out. XXXX XXXX is a XXXX!!! 



XXXX XXXX ... .XX/XX/XXXX. 
Social : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: American Express has been delivering our monthly statement around the XX/XX/XXXX of  each month and charges a {$38.00} late fee for payments not received by the XX/XX/XXXX of the next month. This has been an ongoing issue with XXXX for about three years. 

We received our XX/XX/XXXX statement on XX/XX/XXXX. 

I have contacted American Express three times on this issue. They have waived my late fees but have refused to address the problem. I have never missed a payment and always pay my full balance each month. My credit rating is excellent.
I do not believe American Express is following the Federal guidelines for time required for consumer payment and I believe American Express is intentionally profiting from their improper behavior. I believe American Express should refund all late fees to all consumers who have been improperly charged by American Express 's intentional misconduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America 's has damaged my home, charged me for services that they did not perform ( mowing grass, removing debris, etc ... ) and added the costs of these services to my mortgage balance. When I contacted Bank of America they told me that they use a third par ty contractor (   XXXX   XXXX   ) a nd that they would fix the problems and that the charges would be credited to me. Nothing was done. Instead, Bank of America 's law firm    XXXX   XXXX   XXXX   XXXX   XXXX   sent m e a letter saying that Bank of America was not responsible. I have proof from that Bank of America or its contractors blatantly lied and that in fact   XXXX   XXXX    caused damage, never mowed my lawn and did not remove debris ; the Police department as well as the Code Enforcement board has records that prove that Bank of America is not truthful.

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 03/19/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was bought by Green Tree in XXXX XXXX. My husband lost his job in XXXX XXXX and we got behind. We tried to work arrangements out with Green Tree. They are refusing my payment unless I bring it current. They are calling several times a day and faxing over personal info and payment history to my work fax and my co workers seen it. I paid a XXXX payment in XXXX $ 4200- because of there threats of taking my home. I paid another XXXX in XXXX and called another payment in for XXXX in XXXX. I was told I am still XXXX payment behind and needed to pay {$4200.00} for XXXX not XXXX and that would bring me current. I explained to them I do not have it. I then received another call a few minutes later from another account Rep - who handles my Account - I was threatened they would void my payment for that day and it would put me 60 days past due. I asked again to speak with a manager - who then gets on the phone and says they will look in to it. I called back the next day and asked if my payment had been voided, I was told no. I pulled my bank statement up and see they reversed it back into my bank account. How can they refuse a payment after excepting it. The tactics they use are not right for those who are trying to keep our homes. They are purposely refusing PAYMENT to damage my credit and make me loose my home. What can I do?? They told me to file foreclosure. I can not believe they would want to push a customer into foreclosure over being XXXX payment past due. I am trying to keep my home and have always paid on time until my husband lost his job. I have proof of them excepting the payment then voiding it. I believe they are playing games, I have talked to several people who claim to be managers who say they will look into it with no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 12-07-2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My ex-wife opened an account under my name only, the company allowed her to open the account, and ran the debt up. Upon our divorce, the debt collection agency has refused to contact her about the debt and has resulted in a lawsuit against me.

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 03-03-2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I was having some problems paying my mortgage due to my husband being in an auto accident & unable to work. My mortgage was through XXXX. They sold my mortgage to BSI Financial. I was about 6 months behind in XXXX XXXX. My husband & I received a settlement from the auto accident. I took care of all of my delinquent payments plus put over {$18000.00} down on the principle. That took me through XXXX XXXX. I made my XXXX XXXX payment. On XXXX XXXX, XXXX my husband & I received several intent to forclose notices saying I was 9 months behind. I called BSI immediately & was told to disregard those notices that there is an error in the computer system but I am in fact correct I 'm current on my payments & only due for the current month. I was told that the problem could n't be changed in the computer from where this representative was located. However I was not given the information on who or where to call to have this problem resolved. The next day I received another intent to forclose letter. I called again & was told not to worry about it but it could still not be removed from their system. This has been sent to the credit burro cause our credit to have a negative mark.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Shopping for a loan or lease

Complaint: I went to XXXX in XXXX TX, in XXXX XXXX 2015 ; and apply for credit to buy furniture there, I qualify for {$6500.00} I spend {$2100.00} for a sofa and love sit and XXXX for insurance for that furniture, I also ordered a chair that I dont received yet. In XXXX XXXX I receive the card with the statement that show that I owe XXXX in the credit card the furniture get my full credit not the amount that I spend there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been contacted multiple times by a collection agency that goes by XXXX separate names ; Central Financial Control & Syndicated Office Systems. They are trying to collect on a medical debt that is a result of identity theft. I never went to that hospital in north XXXX. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens. How can they overpay to maintain the agencies from deleting an account? I think it 's because I 'm XXXX and they might think I 'm here illegally ; I swear I '' m a XXXX. Attached are my letters my Ftc partner told me to fill out and have sent. The credit bureaus have done an ok job at communication, but it 's still on my credit report. I 've been trying to get this taken care of now because I 'm tiring to get a place to live and buy. The loan officer said I could n't get the loan because the collection is in dispute and I would have to call and admits I do n't want to challenge it.. which I refuse to do because it 's not mine. The bureaus said they verified everything with the source ... How? I 'm needing help handle this because I have nowhere else other than these government places and XXXX rights place which they told me to record calls and track stuff which I have. Thank you for your time XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (FHA mortgage) with FIRST MORTGAGE CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sold my loan to another company. I did not make the final payment for the current month within the usual 15 day grace period. When this happens, I pay the late fee ( {$100.00} ) and the regular payment. With the transfer of companies, I have not been able to pay my mortgage. XXXX, I have called my former/original mortgage company to pay, and I have been put on hold for over 15 minutes only to have the call hang up. XXXX, I tried to pay via the former mortgage companies " speed pay '' website option and been unsuccessful because it would say " unable to process ''. I know i would not be penalized if I sent a payment to the former mortgage company, but I am unable to send them the payment. The new company takes over on XXXX XXXX. I can not pay them yet. Even if I pay my payment for XXXX after XXXX XXXX, it would be over a month late. But I have been unable to do otherwise because I can not speak to anyone at my former mortgage company.

Company response to consumer: Untimely response
Consumer complaint received 09/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NM).
Issue: Account opening, closing, or management

Complaint: As a small business I went to my bank ; Wells Fargo to obtain a credit card machine and a account to perform credit transactions, the person in charge of the process to obtain this service went over the paperwork I was signing never mentioning that there was a required monthly usage of {$3000.00}. or that what I was signing was irrevocable. At the first month of my service I used the machine twice totaling {$450.00}. and then got a {$500.00}. fine from Wells Fargo, with them explaining this unspoken requirement. I at that point in my business had n't made {$3000.00}. total in one month yet so I asked why it was never mentioned, so after a exhausting process of sending their machine back and canceling all my agreements pertaining to this service I was informed that Wells Fargo was going to take {$38.00} a month out of my accounts for the next 4 years as the rent agreement on the machine was " irrevocable '' whereupon I responded that I was never made aware of this clause when the person at the back did the paperwork with me and could I talk to him. The bank told me he was fired due to fraudulent practices. I then said that I was never made aware of this issue and that it was " My tough luck '' because I signed the paperwork they had every right to take the {$1800.00}. out my accounts over the next four years. I took this issue to the State of New Mexico Attorney 's office and they said " we never told you this '' even though the fired employee probably was the reason for the issue " I signed the papers therefore I am 100 % libel for whatever they said and that I needed to " XXXX '' and pay it. ''

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 08-01-2017 about Debt collection (Payday loan debt) with Midwest Recovery Systems (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/2012 {$660.00} I was alerted by my credit report that this company reported to all 3 credit bureau that I owe a debt to them and I have never heard of this company. I have never done business with Midwest recovery systems. I do not have a contract with this company. this company added a collection account to my credit report with all 3 credit bureaus without my knowledge. this company has never notified me of this collection account prior to of after it was placed on my credit report. I have no knowledge of this company or the original creditor. I do not owe either company.It is against federal law to place on your credit report without validation of account or notify me of said account

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with National Enterprise Systems, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company has sent me bills and I explained yo them I have know knowledge of this bill or the services. I asked for mote documentation and never received it, and instead they placed it on my credit score. I am afraid of someone using my identity and getting fraudulent bills because they have no valid documentation or knowledge of the services they sent me a bill for.

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 06/30/2017 about Debt collection (Other debt) with I.C. System, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I currently have a collections account on my credit report from a collection agency by the name of I.C. Systems INC. and researched they do not not have a license to collect debt in New York. I have never had a contract with I.C Systems INC. and am not liable to pay any amount of money to 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