milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify the loan on this property since XXXX. I was at first given a forbearance, made my three payments, then it was dropped in a confused and confusing manner and I turned to applying for a modification. The process was awful, I spent enormous amounts of time faxing documents that were lost, etc. and put on a dual track so that the trustee sale date eventually came before any modification was granted. 
Then when the bank foreclosed on the property, it wrongfully foreclosed on the adjoining lot which does not belong to the bank. I called both XXXX and XXXX, they paid no attention. I started a lawsuit, and after many months, the bank settled for attorney fees and recognized they were in error. 
I started applying for a modification again, but again things were delayed, I was told I had not submitted documents on time when I had and was able to prove it, etc. Again the trustee sale date came before a modification on XXXX XXXX. And again the bank wrongfully foreclosed on the adjoining log, using the exact same documents as before, disregarding the few guidelines agreed upon in the settlement. 
So, being an optimist, I tried for a modification again. I had a very difficult time with the agent who was assigned to me, who never responded, and dismissed me without really digging into my file whenever she was available. To make a long story short, I was slated for a trustee sale five times in five years, and each time the foreclosure included the nearby lot which was separate from the property. XXXX even rescinded the settlement agreed upon at the end of the lawsuit, without ever consulting with me. 
On XXXX XXXX, XXXX, XXXX transferred my loan to a new servicer, NationStar Mortgage, without ever addressing the wrongful foreclosures described above. Oblivious to this ancient history ( for them ), the new company is simply starting the modification process all over again, despite my complaint that due to the enormous delays caused by XXXX from XXXX on, the escrow on the loan has become so large that numbers no longer add up. This process must be stopped until the illegal actions of XXXX have been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with CalAtlantic Financial Services Inc (MN).
Issue: Trouble during payment process

Complaint: We purchased a new home on  XXXX   XXXX ,  2017 .  Lender CalAtlantic M ortgage collected real estate tax escrow funds at closing but did not pay the taxes  to the county. CalAtlantic th en sold the loan to  XXXX  in  XXXX   2017 . We received a notice from  XXXX   XXXX  on  XXXX   XXXX  stating that real estate taxes had not been paid and late fees and penalties were charged to the account. Lender failed to make timely escrow disbursements and stuck us with the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Payday loan) with Big Picture Loans, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company, XXXX, contacted me a little over XXXX yrs ago reporting that legal action would be taken on me if I did n't settle a debt from CastlePayday. They cited my address, social security number and email address, but they did not have all the correct information and I would not verify a single thing for them. 

I have never heard of CastlePayday and have never taken a payday loan out in my life. I reported XXXX at that time, but never heard anything of it and they stopped calling me as I was threatening that I had already reported them and would continue to do so. 

Now, I just received another letter from them, 2 yrs later, stating the same debt and ways I can take care of it ( attached ). They are a scam. I asked every person I spoke with for their name and would search for them online. When I did n't find them, I 'd call them out and ask them to tell me one social or professional profile of theirs I could look up to verify they were who they say they are ... of course, not one of them had anything to tell me. 

I let them know I very familiar with my credit report and would continue reporting them as fraud if they continued to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Medical debt) with MRS BPO, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I became aware of an unpaid medical bill that was reported for collection, in the amount of {$56.00}. I had not been aware of the outstanding bill until the debt appeared on my credit report. The debt collector, MRS BPO, posted the collection twice, on two separate dates, to XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and twice on two separate dates to XXXX ( XX/XX/XXXX and XX/XX/XXXX ; the latter date is 12 days after the bill was paid ). On XX/XX/XXXX, I paid the bill in full by credit card over the telephone. The confirmation code I was given by MRS BPO is XXXX. I was told by the agent that the 4 derogatory entries reported to the two credit bureaus would be removed in XX/XX/XXXX at the latest, as they report improved accounts on a monthly basis. The entries have not been removed, despite the account being paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT XXXX XXXX 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HOME DEPOT STORE AND PROVIDE ID AND I WOULD BE ABLE TO CHARGE MY PURCHASE. I MADE A SMALL PURCHASE ON OR ABOUT XXXX XXXX. I AM CONCERNED THAT THE DUE DATE FOR PAYMENT HAS PASSED AND I AM NOW BEING CHARGED LATE FEES OR OTHER FEES FOR NON PAYMENT, AND THAT THIS FALSE INFORMATIION IS BEING REPORTED TO THE CREDIT BUREAUS. TODAY IS THE 4TH TIME I CALLED HOME DEPOT ABOUT MY CARD. ALL I GOT WAS THE RUN AROUND. I WANT MY CARD. IN THE MEANTIME, I CAN NOT EVEN CANCEL THE ACCOUNT SINCE I DO NOT KNOW THE ACCOUNT NUMBER BECAUSE I NEVER RECEIVED A CARD! 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 04-01-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: while travelling my accounts at bank of america were closed. 

No reason was given. 

Uncertain if the rest of money will be returned. Luckily i had stopped using the account and had transferred most out of it because the atm card kept having difficulty while travelling. 

There was less than {$1000.00} in the account, however I worry about my reputation on credit reporting agencies reports since they noted in their letter they could report to XXXX about account closure. Can you help clarify this problem, never bounced check, had no problems except someone deposited a check while my husband and were overseas but the bank accepted it even though they put wrong address on deposit slip and it was deposited out of state. That happened over 3 months ago and we thought the matter was settled. 

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 explanation
Consumer complaint received 05/20/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled a copy of my credit profile through  XXXX  and saw that a collection accouunt regarding account #  XXXX , which   XXXX   XXXX   claim I owe {$570.00}. This is not my debt. I sent a certified letter to company which returned back to as " unable to deliver. '' I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have   ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your c  ompany or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA  807 [ 15 USC 1962e ] ; theref ore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

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 04/19/2017 about Debt collection (Payday loan) with Midwest Recovery Systems (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I HAVE BEEN RECEIVING CALLS FOR THE LAST  3-4  YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (Payday loan debt) with NCB MANAGEMENT SERVICES INC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company NCB MANAGEMENT SERVICES INC to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided on XX/XX/XXXX a fraudulent debt that leads one to the conclusion that NCB has on file an account number confirmed to be different from the " Original Creditor ''. The information NCB provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (FL).
Issue: Managing the loan or lease

Complaint: Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved. 
Account_Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was notified by all 3 credit bureaus that I owed a debt. I am not aware of any bills outstanding. I am considered as an indigent patient and is covered by Florida State Medicaid. Please remove all outstanding debt and refer to Florida State Medicaid laws or filing rules. I also did not give any permission for my information to be released to any third parties which is direct violation of the HIPPA law. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 




XX/XX/XXXX {$560.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1000.00}

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 11/19/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check through my phone XXXX XXXX 2017 for {$1100.00} into my capital one 360 account. They made me wait appx. 6 days to clear. Then once it was cleared they called me but my mom answered and they asked where the check came from and she accidentally said she was not sure. They said they were closing my acct and said they had to return the check to its original owner. Two months went by I noticed my account was still open with {$1100.00} available but I could n't access it. I spoke to a bunch of people on the phone and they basically stone walled me and said I had no account open. This is where I am at now. I 'm not getting anywhere with the over the phone workers

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently set up on an income sensitive repayment plan and have  XXXX  different loans with Nelnet.  XXXX  of my loans have monthly payment amounts that do n't even fully cover my interest which essentially make it impossible to payoff the debt.  <P/> My current payment plan is supposed to consist of making principal and interest payments so I think it should be illegal for them to purpose a payment plan that is not sufficient.  <P/> Here is a current example of what I am referring to. The balance due on  XXXX  of my loans is {$2700.00}, the interest rates 6.8 % which makes the daily interest {$0.00} per day. So 30 days of interest would be {$15.00} a month. My monthly payment for that particular loan is {$14.00}. That means that every month I am having {$1.00} added back onto my loan in unpaid interest.  <P/> I know the CFPB governs banks and makes them explain things to customers so I do n't know why student loan companies are n't required to do the same. I think they should be required to provide some sort of educational component like credit cards do now that outlines how much interest you will pay by only making the minimum payment and then give you an example of how much interest you would save by making additional payments.  <P/> My loans were disbursed between   XX/XX/XXXX  and  XX/XX/XXXX  a nd I have been paying on them since  XX/XX/XXXX . The interest rates on most of them are 2.32 % and I have a few that are 6.8 %. The total of my loans came to {$17000.00} and over the course of my payments I have paid {$13000.00} and only {$7200.00} of that has been applied to my principal balance. The remaining {$6300.00} has all been applied to interest ( with the exception of {$13.00} in f ees ).   <P/> I am also curious to know who monitors how these companies apply their payments and exactly how they are allocated.  <P/> The statements they send do not show that detailed information and online it just shows a total of how much was paid in interest and how much in principal.  <P/> I have no clue what this company is doing with my monthly payments. I have always paid more than my minimum monthly payment each time I have been set up in a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015 I opened a personal checking account with Chase bank located at XXXX XXXX in XXXX, NY. The account was opened with approximately {$1100.00} dollars. I was told that my card would be delivered by Mail. When I received my card I could activate it at any ATM or by calling the XXXX number on the back. I tried XXXX and neither would activate the card. Today ( XXXX XXXX ) I went into the bank with my card in hand to activate it. The teller told me that I would need to speak with a banking specialist. The specialist made a few calls and then told me that after the branch had decided to take my money and open my account that they no longer were interested in doing business with me. No reason why was given. I was told that I will be receiving a letter in the mail with a check in the amount of my initial deposit in XXXX to 3 weeks. As far as I am concerned, you do n't want my business that is fine. Give me my money back and I 'll take my business elsewhere. I should n't have to wait for my money. Basically, they stole my money and do not have enough laying around to pay me at the moment. This is nothing more than a corporation stealing my money and telling me you will get your money back at our convienance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with WELLS FARGO & COMPANY (AZ).
Issue: Rewards

Complaint: I have a Wells Fargo Visa Credit Card that says " Rewards '' in the upper left corner. Rewards were not posting to my account, so I sent an inquiry thru contact email when signed into my account. They gave me a phone number to call. I was transferred multiple times to different departments. Tried again 2 other times. Was told to go to the branch today and work thru a banker. I did, and the banker could not get a resolve. She herself was transferred 7 times, and told multiple stories but could n't get it resolved. They are saying there are is no reward program associated with the account, even though the card clearly says " rewards '' on it. We were told I could apply for a card with rewards, but that my past purchases would not be credited with rewards, and that likely the interest rate would go up. I made multiple purchases, thousands of dollars using this card expecting to generate rewards. I feel this is clearly consumer deception, and ca n't seem to get any resolution from the bank. I have to believe that if I am having this issue, other consumers are as well. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Skagit Bonded Collectors, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Collection debt is 8-9 years ago

Company response to consumer: Closed with explanation