milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-04-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE ().
Issue: Loan modification,collection,foreclosure

Complaint: My mother died in XXXX of last year XXXX. She had a reverse mortgage and I am executor of the estate. The agent who had her sign the original reverse mortgage contratc was informed that she had XXXX, but went ahead with initiating the loan regardless of her obvious inability to understand the ramifications. This agent worked for XXXX Mortgage company. More recently, generation sold the mortgage to Champion Mortgage Company, but in the document of transfer, regeistered at the clerk of courts, they listed a legal description of a completely different property thousands of miles away with no connection to my mother.. I pointed this out shortly after her death, and the mortgage company filed a new transfer document in XXXX. I question whether the original contract is valid since it was not executed in good faith with someone who knew what they we signing. I also wonder if the transfer of the mortgage is legal with this botched legal description and the transfer only truly being processed long after my mother had passed. lastly, i have been trying to work with Champion Mortgage to obtain a 95 % of Fair Market Value payoff amount so that the family cal possibly buy the property back out of foreclosure. They have lost document repeatedly, not communicated in a professional manner and even scheduled a foreclosure sale date of XXXX XXXX without any notification. I discovered that a sale date had been set when I called to check on the status of the account today. Today I was told that I have to hire a lawyer or real estate agent and get them to process a preliminary HUD statement, a sales contract etc., before Champion will postpone the foreclosure sale or initiate an appraisal to determine fair market value. The house is in an area with a severely depressed real estate market and the house is not in good shape. It is worth perhaps half of the loan balance at this point. i am happy to work in good faith with Campion, but these issues should be addressed, and I would like to know what laws pertain to this type of issue. Specifically, do i not have the right to represent myself in this process? If all we want to do is pay off 95 % of the FMV as required by law, why must I beg for an appraisal. i paid for XXXX appraisal out of pocket and sent them the results ... of course, this was not acceptable, yet since XXXX, i have been trying to get them to provide me with their estimate of 95 % of XXXX so we can close the estate. now they are trying to sneak through foreclosure without notification and placing beurocratic barriers to obtaining an appraisal for a 95 % payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since  XXXX   XXXX ,   XXXX  , everyday at  XXXX ,  XXXX  and  XXXX  Capital One calls me and it 's not a live agent it 's a machine. I do n't mind the  one  call a day but two is excessive and  3  is annoying! I get it, I owe you money but  3  voicemails that are 18 seconds long with a recording is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I used Experian to access my annual free credit report ( which came with a {$1.00} fee ). I was unaware that doing so had signed me up for a service. 

Last night I saw that a charge for {$21.00} had posted to my card, so I followed up by logging into Experian to investigate. I cancelled a service I did not know I had been signed up for. 

I called customer service, and they were unable to refund my money because more than 24 hours had passed since they charged me. This is an unreasonably short amount of time for someone to be expected to check their credit card statement for serviced they never knowingly subscribed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN).
Issue: Other transaction problem

Complaint: I used Moneygram.com online service XXXX to transfer {$2000.00} US dollars to a relative living in XXXX. Moneygram declined my request, which is fine. I was told on XXXX that if money was taken out of my checking account I would receive a a refund within 10 to 15 business days. 

As of XXXX I had not received a refund so I called Moneygram. The Moneygam customer service representative at that time stated that there was nothing Moneygram could do. The representative instructed me to file a complaint with my bank. 

I filed a fraud investigation with my bank on XXXX. 

On XXXX I called Moneygram again and was told that even though the transaction was declined, it was not cancelled, thus the refund was not processed. I was told that I would receive the refund in 10 to 15 days.

My complaint is : 1 ) Moneygram has concerning, sloppy operations. If the transaction was declined, why was not the transaction cancelled immediately to stop the withdrawal from my checking account. Further, despite that gap, the internal process/procedures to review declined accounts and cancel the transaction has no controls causing customers emotional and financial harm.

2 ) if my transaction was declined, why did Moneygram take money out of my checking account in teh first place? When a decline is made, Moneygram should have an automated process to automatically cancel any sort of withdrawal request.

3 ) The time frame for a refund is archaic. I understand it may take a day or two for funds to be electronically transferred from one bank to another. Most transfers I initiate from one bank to anyther takes two, maybe three days. Being that Moneygram already has my funds, the transfer process should not take more than two to three business days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: Was harassed into closing my American Express Card. Several weeks before XXXX switched from American Express to XXXX, Amex sent me a letter stating that I had two weeks to contact them or my account would be closed. Upon contacting them they requested a XXXX form. I filled out and returned said form as they requested and they put a hold on my card. Two weeks later on XXXX XXXX they called again and said that the form I sent them was illegible and they needed me to fill out the info again and resend it. I asked what the point was in me doing that if it took two weeks to process with the change over to XXXX was less than that. I once again got hit with the if you do n't comply we 'll cancel the card. At this point I was infuriated, I said if that 's what we need to do so be it. They then cancelled my card thus forfeiting my Rewards and smooth transition over to XXXX. I feel without the harassment and badgering by their staff I would 've never cancelled the card but the constant threat of getting my card cancelled when I tried my best to initially comply was too much for me to endear.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Consumer Loan (Vehicle lease) with AUTO TRAKK LLC (FL).
Issue: Managing the loan or lease

Complaint: i lease a 2014 XXXX from autotrakk out XXXX PA found later the car has off the market parts valued at over {$3000.00} dealer has refused to replaced oiginal parts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

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 07/28/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a loan at my local credit union ( RBCU ) in MN. They provided me with a standard Equifax credit report. XXXX notified me that my name was under collections with XXXX XXXX ( {$120.00} ). I have never used century link in my life. I spoke with XXXX XXXX XXXX XXXX. They were unable to find ANY sort of credentials in their system. ( Again, i have NEVER used their services. ) They mentioned I would have to contact the collections agency from XXXX. Due to the fact that I have never used services with them, I could not provide an account number, nor a collections agency name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I started graduate school in XXXX. The program I enrolled in was " low-residency '' and summer only. It's XXXX XXXX XXXX XXXX XXXX of XXXX. The program ONLY meets in the summer. It takes 5 summers to complete the program. The problem is that NAVIENT considers these students as " unenrolling '' from a program because we couldn't take classes year-round. So, they make your student loans fall into repayment even though you have 3, 2, 1 years left of school! So, they collect interest on all of that time even though you CAN NOT take classes and have no option but to wait until the next summer. 

Additionally, Navient misallocated several of my payments. I specifically indicated which loans the payments should be applied to and they did whatever they wanted, which sent some of my loans in to " non-payment '' and disrupted my credit score, causing a delay on the purchase of my home. 

They were ridiculous to work with. I paid off my loans since then, but from XXXX, I dealt with all of this. I still don't know how much money they swindled me out of in interest while I was STILL IN SCHOOL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/13/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notification from a credit monitoring company that Central Credit Service had placed an account into collections. I did not receive a dunning letter from the company. This company took away the right from me to get a debt validation done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (OH).
Issue: Managing the loan or lease

Complaint: yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? 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 02-02-2017 about Payday loan () with DLC, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/XXXX I received a loan from Dollar Loan Center in XXXX, CA. I was assisted by employees XXXX and XXXX at the time of applying. During the process I asked both XXXX and XXXX what were the XXXX tables their company charge in interest. I was never given any XXXX explanation from XXXX or XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX dollars on a XXXX dollar loan. I called numerous times to speak with XXXX and XXXX to ask why the principal of the loan does n't reduce after each by-weekly payment of XXXX dollars and what was in interest charge I was paying since no one explained the APR on the loans they offer. I was never given a clear response from either employee. I was notified after calling every week in XX/XX/XXXX that the XXXX rate I was charged for the loan is XXXX %. I was very upset that I was never informed of the APR associated with the loan. I had maid on time payments for XXXX months not knowing the exact interest I was bring charged. This is very shady and deceptive business practices by Dollar Loan Center. I asked XXXX why she did n't answer my initial question of the XXXX that her company charges. I was told by XXXX that they can only explain their fees by a daily fee charge. I asked XXXX what XXXX in percentage will be to calculate the interest charge. She refused to do so. I never received any documentation explaining I will be charged XXXX % for the loan. I experienced a economic set back that would make it difficult to make the high payments I was making each month. I called and spoke with XXXX and explained the situation to her. I was informed by XXXX that Dollar Loan Center does not work with their customers to make payment arrangements or help reduce the interest. I was told to speak with her XXXX XXXX. XXXX informed me that if I wanted to terminate the loan i would need to pay back the whole XXXX dollars and that the XXXX dollars I have already paid was interest on the loan. Now, After speaking with XXXX, I received daily phone calls from XXXX and XXXX to make payments on the loan after explaining to them that I ca n't and need their help to arrange something but they refused. The phone calls continued daily from different phone numbers and even blocked and private numbers. I asked XXXX why was he calling me from a blocked number if he is calling to collect a debt. I was told by XXXX Dollar Loan Center makes that decision. My wife was also called numerous times even though she was never part of the loan or application. I asked XXXX why he and XXXX are calling my wife and giving out my personal information to her if she is not part of the loan. XXXX replied he can tell her anything since I am married to her. I informed XXXX that is not correct. I was told by XXXX if I had a problem with that to call his XXXX XXXX. Now, Dollar Loan Center is threatening to sue me for XXXX dollars after I have already paid XXXX in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Checking or savings account (Checking account) with KEYCORP (WA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: KeyBank is slow reporting banking information to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Debt collection (I do not know) with The CBE Group, Inc. (AK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I answered one of CBE Group 's phone calls. I have no idea what debt they are trying to collect but they asked for me by name. When I offered to make a minimal payment of {$25.00} twice monthly they refused to take and said I would need to qualify under their financial needs program. They told me I would need to be asked several questions. The first gentleman I spoke with was very pushy about the questions and insisted that my household should have a savings built up. He told me exactly how much money I should have left over after every paycheck and that the numbers just do n't come up right for me to have no money and not be able to pay more than {$25.00} twice a month. Then he insisted I ask anyone I know to loan me the money. After I put my foot down he got his " manager '' to redo everything he just did. The manager was rude and pushy with me also. He continuously insisted I " find a way to get the money right away and pay it all at once '' and that " the company they were collecting for wanted one lump sum payment ''. I was told to open a new credit card or take out a personal loan to pay the debt. He also kept telling me that there is no way I 'm broke and have no money, that my financial situation just does n't add up. After this, I let the man know that I needed to get off the phone, which I had already been on for 30 minutes, because I have a child that needed to be tended to. I said I would need to discuss this with my husband and his response was " well how much time do you need to talk to him, a day? ". He got a little rude with me about wanting to get off the phone before the debt was settled and said they 'd calling back in 24 hours. In an attempt to answer the call I just said " ok '' and hung up. This was about 3 weeks ago. They 've proceeded to call me everyday since, even taking it as far as calling me on a Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (VA mortgage) with LoanCare, LLC (MD).
Issue: Trouble during payment process

Complaint: On XXXX XXXX 2016 I lost my home to a fire. It was a total loss. My insurance dispersed a large check for the total loss of my home and it was placed into an escrow account at Loancare for the amount of {$350000.00}. At this time im trying to recieve disbursements so I can rebuild. I have recieved 2 small disbersments, one to my contractor for {$11000.00} and the other to the company that prefabs the dwelling for {$29000.00}. The company that is doing the prefab will not ship the materials until 50 % of the bill is paid and 100 % is paid upon delivery. The contractor insists due to the shady practices of my financial institution that a draw schedule be signed by Loancare and it is law to cover intrests involved. This financial Institution is saying that the policy is they will not disperse anymore checks until the first inspection of 50 % completion and that is impossible with the amount that has been dispersed. The amounts that have been dispersed to my contractor will not even cover materials needed to repair my foundation, preperation for the dry in and the labor needed to start the job. It will only cover permits and other minor tasks. I am a XXXX veteran that will be homeless if this matter isnt fixed in a timely manor. I am still making mortgage payments of over {$2000.00} a month on a VA loan.

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 02-08-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Hello, I have XXXX accounts and XXXX public record item appear on my credit. I brought the errors to the attention of the Equifax personnel. I received an updated credit report from them ( Equifax ) advising me that XXXX of the accounts had been deleted from my file according to my credit report dated XX/XX/2017 Confirmation Number XXXX, however i pulled a recent copy from their site and it states otherwise ... .. the accounts say they are in dispute. 

I am requesting that Equifax clear the errors and remove the false and inaccurate information from their database once the information is verified and removed from my credit it will not be re inserted. 

XXXX Account Number XXXX XXXX Credit Account Number XXXX US Bankruptcy Case or ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TN).
Issue: Problems caused by my funds being low

Complaint: I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing statement

Complaint: My sears account is closed, however a 30-day late payment is reporting on all of the XXXX credit bureaus. I have always paid this account on time. I have tried disputing this account with the credit bureaus each time it comes back verified and i have not received and proof that I was 30 days late. I even contacted sears and they gave me the run around. I contacted the XXXX and they gave me a XXXX number to call in reference to my account because the representative said she could only view six months back. When i contacted the XXXX number the guy stated that he could not help me and transferred me back to the XXXX. The next representative place me on holding stating that she would look unto it, but instead of coming back on the phone she transfer me to sears online. I am disappointed in sears company no one seems to know anything. If sears or the credit bureaus can not show me verifiable proof that i was 30 days late, then I demand you delete this inaccurate claim from all XXXX credit bureaus.

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