milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2016 about Consumer Loan (Installment loan) with MARINER FINANCE, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. 

WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. 


Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Debt collection (Medical) with AR Resources, Inc. (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have tried to contact this company regarding this debt. They have not contacted me by phone, email, or any other means. I want to have an official invoice so I know that this is the correct company to which I owe the money. I want it removed from my credit report since I have received no communication from them and have not been given a fair opportunity to settle this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Mortgage (FHA mortgage) with United Shore Financial Services, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage provider, United Wholesale Mortgage, is withholding way too much from me in my escrow account. I 've called and written complaints to them and they 've ignored me each time and/or given me the runaround. Over the telephone they 've said they will fix the issue and I call back and get the runaround each time. Meanwhile, I 'm forced to pay money into an escrow account that has FAR more money than necessary to pay the required expenses. My next step is to file a class action complaint for RESPA violations -- their customers ' escrow account payments should be an easy math equation and these guys apparently ca n't get it right!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OK).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My complaint is against the  USAA  mortgage procedures and the people who work in the USAA mortgage refinance section. I have been a member since late  XXXX . I am presently retired and purchased my home through the   XXXX   XXXX   XXXX  . I never had a problem with the   XXXX   XXXX   XXXX  . My trouble started when I refinance the house with USAA a bank located in Texas. The latest to the series of unprofessional practices happen recently when I tried to refinance the house once again. To keep things short ; the  USAA  Mortgage section without informing me or calling me just simply change, on their own, the loan amount. It was raised by {$1700.00} and my closing fee increase by 400 %. I am sure they hope I would not notice it. The loan should have been lower since  five  days before I made another payment to the bank under the present loan reducing my principal, but they increase the loan amount. All of this without previous notice and on the same day the title company notified me that closing is next. No heads up and they did this a couple of days when we where suppose to close who do they think they are? Am I supposed to sign a contract that they keep changing to hours before we close? I should have known since I was unable to speak with the loan manager. She conveniently made herself unavailable routing me continuously to other several individuals who where clueless about my refinance. They were automats who did things according to their method-operandi without any regard, respect, understanding, listening to me. It was difficult the hold way. No one person , USAA contractor , had the authority to listen just the original loan  manager  had the power but was unavailable all of the time.   Anyone who feels they have to re-finance and you are pushing  XXXX , I STRONGLY suggest go somewhere else. This people feel that if you are old you can be taken advantage. Beware - USAA have change a lot and they rather have a pound of your flesh than to respect your needs.   They should not be allowed to operate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Even thought I already reached out to your agency regarding Bank of America unjustified fees applied to my mortgage payment, the bank is still requesting that I send a XXXX fee in addition to my monthly mortgage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have called the company numerous times. The account was paid in full in XX/XX/XXXX. The account was not established with a credit line. The information reporting is incorrect. The company refuses to update the information to show the XXXX balance. Therefore, it is still reporting as an open account and fully utilized credit. This is incorrect information and affecting my credit scores. Show as follows on my credit report : XXXX XXXX XXXX XX/XX/XXXX - 104 % Balance : {$1400.00} / {$1400.00} Overview You 're currently using 104 % of your account 's limit. Balance {$1400.00} Credit limit {$1400.00} Minimum monthly payment {$42.00} Opened XX/XX/XXXX ( 6 mos ) Payment History Youve made 100 % of payments for this account on time. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Charge Account Responsibility Individual Remarks -- Times 30/60/90 days late 0/0/0 See an error? You could dispute an error with Equifax. GO TO EQUIFAX Creditor Information XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/2018 I happened to check my account via my phone and discovered I was {$350.00} overdrawn. There were XXXX {$34.00} overdraft charges and in the middle was a charge of {$200.00}. 
However over the course of the day on XX/XX/XXXX XXXX made a number of transactions as I was notified via text messages from Chase about my personal account XXXX. Every notice of overdraft re : XXXX I transferred money from my business account XXXX. 

My Chase text messages* show I had money to transfer and purchase. Then in the middle was placed a {$200.00} charge that was not there as I made those transactions. It was not a pending charge it just showed up and I began to incur overdraft charges. 

XX/XX/XXXX {$13.00} Purchase XX/XX/XXXX {$70.00} Transfer to XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$5.00} Transfer XX/XX/XXXX {$7.00} purchase XX/XX/XXXX XXXX purchase XX/XX/XXXX {$200.00} Charge ( This purchase was made XX/XX/XXXX, but I couldnt find a trace of the transaction in my XXXX. However the bank XXXX could. How can he have more access to my accounts than I me? ) XX/XX/XXXX {$200.00} Deposit ( I deposited money to cover the {$200.00} purchase ) XX/XX/XXXX Visit XXXX XXXX XX/XX/XXXX Overdraft cancelled XX/XX/XXXX XXXX purchase XX/XX/XXXX {$15.00} extended overdraft fee Currently there are ( XXXX ) {$34.00} overdraft charges, XXXX was removed, which I specifically requested all charges be removed. The XXXX branch XXXX said he couldnt do it, he was not allowed and told me he submitted a request that I be contacted. 

He said I would hear from them by Thursday. 
I am requesting the removal of the ( 5 ) {$34.00} overdraft charges and the ( 1 ) Extended Overdraft fee leaving me {$9.00}. 

I have yet to speak directly with a Complaint representative. He called and left a voice message. I called back and informed him when the best time to reach me and if I could have an address or email address so I could send him this document. 

Instead he called back during the hours I work and didnt leave the information I requested. I have a personal and business account with Chase and would appreciate this issue be addressed by someone who cares about customers. 

The way that the system charged me almost {$200.00} in bank fees is unreasonable. Im sure this has happened to others and is why the Consumer Financial Protection Bureau was created. 

Its the principle at this point. I am asking that someone help me with this issue. 


*CHASE TEXT MESSAGES Chase acct XXXX bal $ XXXX as of XX/XX/2018 XXXX AM EST was below your {$50.00} limit. 
To trnsfr from XXXX, bal {$100.00}, reply T, space, amt : e.g. T XXXX XXXX acct XXXX was overdrawn by {$67.00} on XX/XX/2018 XXXX AM EST. 
To trnsfr from XXXX bal {$100.00}, reply XXXX, space, amt : e.g. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I paid XXXX XXXX XXXX in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by XXXX XXXX XXXX {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

XXXX XXXX XXXX reported this erroneous information to ChexSystems. ChexSystems is reporting this erroneous information to those who pull my information. 

XXXX XXXX XXXX is declining to open a new account because of this language.

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 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (VA).
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: The company is representing cox say my account closed on XXXX XXXX 2014 but the kept billing me claim invoices was not available then sent some with the wrong account number, and the XXXX plus refund Their on documentation show and support what I just said They claim its correct by their own paper work do not not support their action or position

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 03/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have been a victim of identity theft for a few years and i summited a dispute and police reports to all XXXX credit bureaus and they have not removed the the incorect info from my credit file. this is a big hassle trying to get my file corrected for almost 2 years now. the detective on the case has info of a suspect that used my info at a XXXX company and this has been an ongoing investigation

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Correspondence was sent to  NCC  on  XX/XX/2016    inquiring about a {$10000.00} debt reported to   XXXX  ,  XXXX   &   XXXX . I requested information regarding the company to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NCC has never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illegal for NCC to continue reporting this debt.

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 09-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is adding a Personal Statement to my credit report with no supporting documentation, rationale or directive. 

1. Transunion - please provide your rational for adding the following statement to my report. 
" Statement added because consumer was a victim of true-name fraud : # XXXX # XXXX " 2. After you have provided the reasoning for adding this details, delete this unsupported document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/31/2017 about Debt collection (Mortgage debt) with United Credit and Collections Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I do not have any signed leases with this company. I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Had a mortgage with Ocwen Loan Servicing. Refinanced loan, payoff was for more that owed on loan. Refund seems to be {$800.00} to {$1000.00} less than it should be. Ocwen will not give me an accounting of check amount. They are non responsive, called and emailed XXXX times with not response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX of the XXXX credit reporting agencies would not give me my free credit report online. They said there was a error or mismatch with my information and that I would have to submit my request through mail for them to determine the issue and get my credit report from them. Both XXXX and XXXX did this when I tried to get my reports for free, but when I tried to pay for them on their websites, low and behold they were able to match and confirm my identity to give me my reports. This appears to be deliberate way to charge customers to get their reports by not providing them to them for free and making it labor intensive to get them ( through email and possible long wait time ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX I filed a complaint against NationStar for requiring a Short Sale Seller, who has a ratified contract on their property, for not reviewing the offer, but requiring an auction to uncover other buyers and " true market value. '' That complaint was # XXXX. 
A XXXX XXXX XXXX XXXX XXXX XXXX has been conducted, so market value is known. Further, we never received an answer to the first complaint with CFPB on Friday, XXXX XXXX, per your letter to myself and my Sellers. 

The auction puts the Seller at risk of being under contract to sell to XXXX parties, which is impossible. They could be in default and at risk of a lawsuit from the buyers they are under contract with now if that happens. 

PLEASE HELP US. NationStar continues to push this auction as a necessity per the investor on the loan, yet wo n't disclose who the investor is. This refusal, combined with past experience, makes me believe that there is a XXXX party auction company that would be making a premium once the property is listed for auction, and this is not an investor requirement at all. It is completely beyond reason why they can not review this offer vs. the XXXX value they have. 

HELP! 

XXXX XXXX XXXX XXXX License # XXXX & XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Managing, opening, or closing account

Complaint: Since XXXX XXXX I have been on phone with rush card. They told me they needed a merchant release form, then they told me it would take 1-3 hours. Then they told me 24-48 hours, then they told me 7 days now 10 days. Today is the XXXX day. XXXX XXXX and they have not released a pending transaction. This was money deducted from my available balance. My own money. XXXX on a pending transaction. I have been a customer with them since 2008, my direct deposit is linked to this card and now they will not talk to me.

Company response to consumer: Closed with explanation