milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Trouble during payment process

Complaint: A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: XXXX IS CHARGING ME WITHOUT MY AUTHORIZATION. I invested in XXXX. I made a deposit, that went through. The continued take the SAME deposit over and over again until my account has over {$300.00} in fees! I have tried to contact them. I have emailed them. As of this morning, they are still withdrawing money. I removed all my money from XXXX via wire transfer, ( paying a giant fee ) and it was supposed to take 1-2 days. ITS BEEN 6 days and I have nothing but an empty bank account that XXXX is still trying to take money from and my bank is still charging me. HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Payday loan) with D. SCOTT CARRUTHERS (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: D. Scott Carruthers XXXX XXXX XXXX, XXXX, CA XXXX This office, specifically a man named XXXX XXXX has been calling my work, my Manager, my boyfriend, my sister, my other relatives and my cell phone non-stop leaving messages and trying to locate me by asking ways to get contact with me and leaving messages with them, for me to contact the " Attorney Office '' as to make it sound like I am facing a legal issue. This is very embarrassing, especially because I work at a University and hold a professional position. I have sent a certified US Mail to his office asking him to Cease and Desist all phone communications to all the numbers he has, and all communications must be done through US mail. That was dated, XXXX XXXX, 2016. Since then up until today, he continues to call. I made one last call to his office on XXXX/XXXX/16 and spoke with XXXX, I said, " XXXX I am asking you to stop calling my work and all other phone numbers you have on file, this is harrassment. I want all communications via XXXX Mail. '' He said, " I did. '' Then I said, " I also sent a Certified Letter on XXXX/XXXX/16, requesting you to Cease and Desist. Goodbye ''. In the letter told him how he has harassed and embarrassed me. He has caused me to suffer severe humiliation, emotional distress and physical discomfort. XXXX. He has violated the FAIR DEBT COLLECTION PRACTICES ACT & THE XXXX FAIR DEBT COLLECTION PRACTICES ACT since I live in the State of California.

Company response to consumer: Closed
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I currently have a debt which is n't in my name and it is now adversely affecting my  credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I  may  have a fair and equal opportunity to purchase my first home, you 're my only hope ...

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 12/22/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was in an approved forbearance/deferment with XXXX related to a private student loan originated by XXXX. XXXX ' policy ( updated in XXXX ) specifically states that loans that are in a forbearance/deferment are not reported as late on the borrower 's credit report. Despite this, XXXX has continued to report the payments during this period as late which has significantly impacted my XXXX XXXX. The loans are now in a regular repayment schedule and are paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (UT).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a voicemail yesterday, XX/XX/XXXX, from the phone number XXXX. The gentleman said his name was XXXX XXXX from XXXX XXXX and XXXX, and that they were preparing a preliminary Civil Claim with my name and information attached to it. And if I did not contact them immediately that they would be filing a Civil Suite , on behalf of their " clients '', and that they would give me the opportunity to give a statement. 

I immediately contacted them and I was sent to a pre-recorded message. I left a message and asked what the claim was, who the claimant was, and that if they could email me the information so I could share it with my attorney so we could respond accordingly. About 15 minutes later I received a call from another individual, who went through a very odd verification process to validate I was who I was. After that, she continued to threaten me with a pending lawsuit. I stopped her and asked who was the claimant. She went on to explain that she works with a " mediation '' group that helps solves collections for their clients. I then asked who her client was, and she said that she could n't tell me, but that it was an old debt from XXXX XXXX XXXX. The only XXXX card I ever had ( beside my current one ) was for a business that I was involved with years ago, and since has closed. At one point, that company did have a XXXX XXXX card, so I asked her if this was a corporate account. She said yes, but I personally guaranteed it, something I NEVER did. As I started to ask more questions about the account, when this account was active, etc., she became irate with me and said do you want to take care of this or not. 

I explained that I do not recall this account, and that if there was an issue years ago, XXXX never got a hold of me. She started to spout of some laws that since this was a commercial account, and that I guaranteed it, and that the original creditor could not " get a hold of me '', that the Statute of Limitations started the second she spoke with me on the phone. She also claims the last payment was early in XXXX. I asked if she knew the laws in XXXX  about Statute of Limitation and she began to raise her voice and threaten me. I then told her she needs to send me all related documentation so I can forward to my attorney who would be in contact with her. She said she could not do that, but will send me a settlement letter, and then abruptly hung-up. 

Original voicemail is attached.

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 09/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is violating federal law and refusing to remove fraudulent accounts from my credit profile. I am a victim of identity theft and unknown person has used my information to obtain credit. Equifax has my identity theft report from local law enforcement. I have requested a freeze on my Equifax credit file and that was denied as well. The fraudulent accounts are with XXXX XXXX XXXX XXXX and XXXX XXXX. I have never had an association with these XXXX companies or applied for products with them. It is unlawful to hold me accountable for accounts that I did not create, apply for, or give anyone else permission to apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Around on or aboutXX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (RI).
Issue: Account opening, closing, or management

Complaint: TD Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect? 
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX " *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.

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 10/29/2015 about Bank account or service (Checking account) with Empowerment Ventures, LLC (IL).
Issue: Using a debit or ATM card

Complaint: RushCard is full of it never again im going through the same thing again ive been on hold for over an hour waiting on a superviser to answer a question concerning my money, because the customer service person said the computors are down, they must think im stupid, if you cant get into the computer how jhowbin the XXXX the supervisor gon na get into the computer, im still on hold, this is the last tim this is gon na happen l just sent my employer my new direct deposit info which ive had the account all thr time. Why did you have to change banks? For whatever reason it was to benefit you and not the consumer, youre making money of our money. Should have stayed with XXXX. Your debit card system is no good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (I do not know) with CREDIT WORLD SERVICES, INC. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received statement in the mail about collection, I called asking for validation and was dealing with a very rude collection agent who then got her supervisor XXXX on the line! I asked XXXX for wet signature of the contract for which they are collection on, I asked for a company letterhead to include employee and managers name, the amount this collection company paid for this account and a copy of the companies XXXX and ein number. XXXX stated she would have to contact the original creditor for thisinformation so I wonder how are they reporting this debt without any information but the amount! XXXX aso stated she did not have to provide me with any XXXX or ein unless a 3rd party was making a payment, which I do n't understand! because they requesting payment from me and want all my information to makeup this debt! yet I do n't know who these people are! bottom line I is not my debt and they have not given me anything proving its mine yet they report it to XXXX XXXX XXXX! this is very illegal ... stop reporting or send me all documents I asked u 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 05-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My property taxes are paid from an escrow account with Nationstar Mortgage. As of XXXX XXXX, 2016 Nationstar Mortgage LLC raised my mortgage payment by {$480.00} a month with no notice. When I called to ask why they said my taxes went up by over {$400000.00}. This is not true. They told me I have to provide the tax bills. I am going to forward the paid bills to them on XXXX/XXXX/16. However, they are already in receipt of the bills. The mortgage payment is due no later than XXXX/XXXX/16 or my modification will be in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On or about XX/XX/2016 I received a call from Harvard Collection regarding a debt I owe to the IL Dept of Revenue. I do not dispute the debt however the original caller from Harvard Collections named XXXX pressured me to make payment with only a prepaid credit card and she would not give the address of her agency. At that time I googled the agencies address and sent a letter to them requesting I no longer receive phone calls per FDCPA. I also contacted IL Dept Rev about this as well as IL Attorney General. I had also received letter from IL Dept of Revenue stating that I could pay debt by withholding my Federal Income Tax and communicated that is the only way I can plan to resolve this debt at this time. As of XX/XX/XXXX I received another call from XXXX XXXX at Harvard Collections requesting payment. Again I have sent another letter telling them they are not compliance with my previous notificiation to only receive communication via mail. I also notified IL Dept. of Revenue and IL Attorney General. I do not dispute my debt ; however I do dispute the fact that Harvard Collections with their initial call and payment method and since I did send a letter requesting no contact by telephone and only mail I dispute this additional collections call to my home from Harvard Collections. I believe I had made clear communication to IL Dept of Revenue of my intentions to pay and if in the near future I become blessed enough to obtain the funds I owe prior to my Federal Income Tax return I will pay the debt. At this time I am making sure I have adequate funds to pay my rent and able to continue working ; but my paychecks only cover living expenses. I sleep on a mattress on the floor and I try to make ends meet by visiting food pantry and I never go out to eat ; I make make lunches ; needless to say steak and lobster is not on the menu ... .beans, peanut butter, macaroni and cheese sustain my existence. My home phone bill is barely paid and my family does not have the money to help me pay my outstanding debt. My mother is in XXXX XXXX with a not very good prognosis of survival. When I can I visit her but it does pose a hardship for my pocketbook. Your assistance with this matter is very much appreciated.

Company response to consumer: Closed with explanation