milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: This was sent to Nationstar Mortgage on XXXX/XXXX/2015, and to date I have received no response. 

Attention Nationstar Mortgage Customer Service : Subject : Loan Number XXXXXXXXXXThis is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : My loan was recently transferred from XXXX to Nationstar Mortgage effective XXXX XXXX, 2015. The loan was set up as a bi-weekly payment through XXXX at no additional charges to me, the customer. In addition, my next scheduled payment was due on XXXX/XXXX/2015. I received an email welcoming me to Nationstar and requesting that I register online to view my account. After registering online with Nationstar, I noticed my account 's next scheduled due date was pushed out to XXXX/XXXX/2015, my loan was no longer set up as a bi-weekly payment but rather was now on a monthly payment schedule, and my automatic payment was no longer in place. 
I called Nationstar customer services and was told that Nationstar does not support bi-weekly mortgage payments. After asking to speak with a customer service representative, of whom I spoke with both XXXX and XXXX, I was told the same thing, that Nationstar does not feel the term of my loan was altered in any way. I was also told that I could sign up through a third party vendor called XXXX XXXX at a cost to me, and they could provide the bi-weekly payment processing. I explained to both XXXX and XXXX that if I was not paying for a bi-weekly mortgage before, why should I have to start paying for XXXX now that my loan is serviced through Nationstar. 
I have attempted several times to work with Nationstar to resolve the bi-weekly payment situation with phone calls to Nationstar 's customer service department. However I was told that there is nothing Nationstar can do to correctly process my loan as a bi-weekly payment without an additional fee paid by me, which I am unwilling to do, because my loan prior to Nationstar handled the bi-weekly payment schedule without any fees. In addition, when a loan is moved from XXXX service provider to another, the automatic payment processing should also be properly converted over. Asking the customer to re-set up the ACH processing is minor, but the conversion to the new provider should be seamless. 
I can be reached at ( XXXX ) XXXX day or night in case a customer service representative wishes to contact me. 
I understand that under Section 6 of RESPA you are required to acknowledge my request within XXXX business days and must try to resolve the issue within XXXX business days. 
This correspondence is also being sent to : United States Department of Housing and Urban DevelopmentOffice of RESPA and Interstate Land SalesXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXSincerely, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
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: Investigated student loan written as " Charge-Off '' on credit report. The loan was included in bankruptcy so should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: hi my wlfe hads been out of work for a bout 2 years .I XXXX XXXX is the only one working at the time.i been paying my morage late but it get paid .bank of America been threating me that they are going to put me and my wlfe out and grand son.i hand ask theme for help and they turn me down.and they have all kind people callin me and sen me letter a bou my late pay ment.

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 10-06-2017 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: I am one of the estimated 143 million Americans who was affected by the Equifax hack that occurred XXXX 2017. I 've worked hard to be in a position where I am financially secure. I will have to live the rest of my life, fearful of my finances being undone with the data stolen from Equifax. 

- Equifax has shown they can not be trusted to not securely manage my personal and financial information. 
- Their lax approach to securing my data that I did not consent to their gathering has put my finances at risk. 
- Not only have they stored my data unencrypted within their unsecured network they failed to address these issues and continued to lie to the victims. For example, this tool which was generating random answers and not actually informing people if they had been hacked. https : //www.equifaxsecurity2017.comXXXX - There has been a reckless disregard for the security of the information they have gathered on consumers. Their inability to be transparent and truthful has made it impossible for consumers to secure their personal data. The very company consumers have to work with to remedy the crime can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (VA).
Issue: Loan modification,collection,foreclosure

Complaint: My home is being sold by Wells Fargo after I have attempted to modify my home loan with them twice. I submitted all of my documentation, twice, and after review, Wells Fargo understated my income and denied the modification. They then told me to apply again, which I did, and they denied it again. They have been rude, changed contact persons multiple times throughout the process, understated my documented income to insure I did n't qualify, and now set my property up for public sale without informing me. I found out about the pending sale via a number of solicitations from law firms. I contacted Wells Fargo and they assured me they would overnight information to me. The sale is set for XXXX/XXXX/2015 and they still have not sent me and information or formal notice of the pending sale, in violation of Federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am working on fixing/resolving my credit. I have XXXX student loan accounts where I am looking to resolve the debt. Upon contacting the lender, to work out a resolution on XXXX XXXX, 2016, I was told the debt was wrote as a " bad debt '' to the IRS, and there was n't a rehabilitation program, unless lump sum amounts were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX XXXX XXXX contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (I do not know) with Focus Holding Company (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the last few weeks I have been receiving calls from the Focus Receivables regarding 'a debt '. None of the calls ( always an automated recording ) provide any details. I 'm not aware of any debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XX/XX/XXXX I got a mortgage through Wells Fargo Home Mortgage, it was an FHA loan, and paid on time every month. In XX/XX/XXXX I received a call from a XXXX XXXX, a loan XXXX for Wells Fargo, stating that because of my excellent payment history I have the opportunity to refinance my loan at a lower interest rate. My payment would not change by much, about {$20.00}, but the interest rate would go down almost XXXX %. Now my interest rate was not that high to begin with but I figured I would take advantage of it. XXXX did I know that they were taking advantage of me. XXXX XXXX XXXX failed to tell me was that in XX/XX/XXXX FHA changed their laws and the PMI would now remain on my loan for the life of the loan. Unlike my original loan in XX/XX/XXXX where my PMI would have come off of my loan after I have a certain amount of equity in the home. He NEVER informed me of this and I did not find out about it until I called in XXXX XXXX to see when the PMI would drop off and the man I spoke to said it wo n't because of this change in FHA laws in XX/XX/XXXX. I was in shock!! I would have NEVER refinanced this loan for not even a XXXX percent drop in my interest rate and no drop in my payment had I known that I would now have to pay the PMI for the life of the loan. That is an extra {$15000.00} in Wells Fargo 's pocket because they just happen to leave that information out when requesting I refinance. I have contacted the company and spoke to a XXXX who proceeded to tell me she understands my frustration but there is nothing she can do. I can not believe that they withheld such an important piece of information for a loan and proceed to tell me they can not do anything about it. I can see why they do n't want to do anything about it since they just screwed me out of an extra {$15000.00} for their pockets.

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 09-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (WA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (SC).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.

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 07-04-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Darvin Furniture is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attached a copy of XXXX XXXX XXXX and XXXX that is reporting on my credit report. This has been an on going issue for a year now with XXXX XXXX XXXX   reporting incorrect information on my credit report when a debt has been sold to another company. As you can see from the attachment two companies is trying to collect on the same debt. how do i owe XXXX and XXXX XXXX XXXX money. Also, you will see the inaccurate information reported on my credit report as late and how? How am I late owing your company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (FL).
Issue: Trouble during payment process

Complaint: OnXX/XX/XXXX my mortgage company did multiple reallocations that amounted to subtracting payments totaling {$8300.00}. It resulted in adding over {$4500.00}. to principal, and almost $ 2k to  escrow and interest, each. OnXX/XX/XXXX, In  their detailed payment statement ( that I requested ),  that amount was distributed back into my account, but it never happened. All that was shown for XX/XX/XXXX was a payment received. * I have called since XX/XX/XXXXrequesting an explanation and review, at least every other week. I have been assured of : a review, a call back within a few days and a written explanation but, have received none of these. The review of the Escrow account did finally result in a refund in that part. I have brought this information to my accountant, and we had a group discussion with the Customer Care representative, to the same end. I have turned my file over to him and my lawyer, at this time. I 'm hoping the pressure that your bureau can provide will finally get us a response. Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I sent the sum of XXXX Euro to Coinbase to buy bitcoin, from my account at XXXX. 
On XX/XX/XXXX I emailed Coinbase making as query as to why the funds had not arrived, which was ignored. 
On XX/XX/XXXX, I received an email from coinbase stating that the funds were being returned as the names did not match on the accounts. 
I subsequently mailed on XXXX and XX/XX/XXXX with no response from Coinbase. 
I contacted them again on XX/XX/XXXX and this time received a response. After several mails backwards and forwards on the XXXX, asking me for various items to verify I had made the transfer, I was informed that it would be escalated. I still have not had a response. 
Judging from various postings on sites like XXXX and XXXX, this is a common ploy by Coinbase to delay resolving queries, or indeed just hope you give up. I know that the sum is relatively small, but I do n't think that this gives a company the right to hold on to funds without either applying to my account, or refunding. Many of the review sites are full of reviews of this company acting in such a manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX and I reached a settlement for account no.XXXX. However, the trade line has passed the seven year threshold prescribed by FCRA 15 U.S.C. 1681c ( c ) ( 1 ).

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 03/16/2017 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Account opening, closing, or management

Complaint: I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Servicing continues to provide fraudulent information to the credit reporting agencies in regard to my Acct. # XXXX .... They refuse to take this negative information off of my credit reports even though I have told them it is totally wrong. They bought then sold my mortgage from XXXX XXXX XXXX during the financial crisis and later sold it back to them. During that process, all my records were lost and they report that I was delinquent in my mortgage. I now have a clean mortage with XXXX XXXX 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 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Civil conspiracy in the ILLEGAL FORECLOSURE PROCEEDINGS against our home -- AUCTION SALE XXXX XXXX, XXXX. PLEASE HELP! 
QUALITY LOAN SERVICE CORPORATION.. 
1. Issues a Trustee Sale postponement Notice with Trustee Sale # that is ambiguous. 
2. Internet Listing shows XXXX..yet Quality 's information is surreptitiously imbedded within the XXXX listing provided by XXXX. 
3. Aware that Alleged Account with XXXX is NON-existent. Reason it blacks out this information from its copy of Note allonge in XXXX XXXX. 
4. Collection attempts with Fake trustee Sale # in XXXX, harassment and threats of sale even without a Notice of Default on Record. 
5. Subject to Mail Fraud by its " correspondence using XXXX letterhead '' but mailed from its XXXX XXXX headquarters. 
6. False Claim as a trustee in XXXX in its foreclosure attempts with no proof. Substitution Trustee recorded later in XXXX - also no proof, evidence of robosigning, CA XXXX XXXX XXXX. XXXX XXXX. 
7. Fails Debt Validation requirements. Subject to Collateral Estoppel. Ignores cease and desist Notice pending resolution of alleged debt. 
8. Reasons " it is the trustee '' -- and has no responsibility for Debt Validation. 
9. Reasons the Court will resolve XXXX complaint herewith ... YET -- it files a non-monetary status.. '' excusing itself from an Answer and further participation in the lawsuit.. '' 10. Continues its deceptive tactic of internet postings " Listing Provided by XXXX '' on XXXX ... but its information is surreptitiously imbedded within the page. 
This internet listing continues to attract " buyers unawares '' with the upcoming foreclosure auction sale XXXX XXXX, XXXX. 
Please find attached Complaint details, in parallel with Complaint filed against XXXX XXXX XXXX, XXXX, CFPB Case number XXXX. Also please reference CFPB case file XXXX lodged XXXX XXXX, XXXX -- before Quality " wilfully and deceitfully '' records the Notice of Default XXXX XXXX, XXXX -- for a DISPUTED Debt. 

Thank you for your urgent investigation and appropriation of enforcement action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.

Company response to consumer: Closed with explanation