milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with Select Resource Group (NY).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a voice mail at XXXX on XXXX/XXXX/XXXX. asking I call back XXXX This was the third or fourth phone call I received in the last 6 months. I explained the last two times that this is my number and that the person that they are trying to contact is my ex husband, divorced over 5 years. The message stated that there is a petition filed against me and that it would be in my best interest to have myself or my attorney call them. The petition will cause assets to be frozen including tax returns, bank accounts and employment. 
I called back at XXXX pm and I was very frustrated. The arrogant woman whom answered cut me off as she must have caller ID and said this is for my ex husband ( she stated the name before I even continued ). I said I have been divorced for 5 years and I explained this already - she snaps back stating " I did not ask you all that '' and proceeded to tell me that " no wonder why you are divorced ''. Then she hung up on me. I have worked in the XXXX XXXX XXXX XXXX for 20+ years. The message left was threatening, they did not leave their name and they did not even state whom they were calling for, naturally I called back as I was nervous as I had no idea what occurred, should have known better. These folks are bullies, are far from professionals and expect a human not to call back irate after leaving such messages. They need serious help and should not exist as any sort of scheming collection service.

Company response to consumer: Untimely response
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to Nationstar in XXXX of 2015. My mortgage payment is due on the XXXX of every month. I am aware of a grace period that lasts until the XXXX of every month. I usually pay my mortgage on the XXXX or XXXX of each month online to prevent any late fees from being charged. When I made a payment to Nationstar on the XXXX of last month, I noticed that I was charged a XXXX transaction fee. 

I called Nationstar and was told that if they receive a payment after the XXXX of each month, they charge their customers a XXXX transaction fee. If payment is received before the XXXX, there is no additional fee. I believe this is wrong, I should not be charged any sort of fee for paying within the normal grace period. Nor should I be charged any sort of fee for paying my bill online, which is more cost effective than paying by mail or over the phone. Please look into this, I believe I am being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Debt collection (Other debt) with Seattle Service Bureau, Inc (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: National Service Bureau continues to report derogatory information to the XXXX major credit reporting agencies for an account that does not belong to me. I have requested that they provide the following information to validate the debt : XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX XXXX that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
XXXX Any insurance claims been made by any creditor regarding this account. XXXX Any Judgments obtained by any creditor regarding this account. XXXX Name and address of alleged creditor. XXXX Name on file of alleged debtor. XXXX Alleged account number. XXXX Address on file for alleged debtor. XXXX Amount of alleged debt. XXXX Date this alleged debt became payable. XXXX Date of original charge off or delinquency. XXXX Verification that this debt was assigned or sold to collector. XXXX Complete accounting of alleged debt. XXXX XXXX for debt collector if collection efforts are successful. This agency has yet to provide this information, yet continues to provide information the bureaus that has affected my credit rating unfavorably.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently received a copy of my Transunion credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.

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 02/24/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Delinquent account

Complaint: Citibank sold debt to a series of debt collectors. The debt amounted to {$11000.00} I believe that this debt amount was a material misrepresentation. The debt collector might have used an inaccurate 29 % APR to falsely increase the total therefore increasing their potential share of the written off debt. 

Please confirm if my debt was part of the recent class action lawsuit. 
http : XXXX 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 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I checked my credit report and midland funding llc are reporting I never had any dealings or a contract or service this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Mortgage (FHA mortgage) with PNC Bank N.A. (PA).
Issue: Struggling to pay mortgage

Complaint: I purchased the property ( XXXX XXXX XXXX XXXX, PA ) in XX/XX/XXXX from XXXX XXXX XXXX.Made my monthly payments regularly until XX/XX/XXXX when i was behind by two payments due to loss of full time employment in XXXX. 
During this period I requested a loan modification so as to catch up on the delinquency.I 've been denied loan modification for the past 5 years ( see attached documents detailing mortgage payments and letters of denial of loan modification )

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I received a private student loan from XXXX, under false pretenses as a former student at XXXX University. I have written to CFPB about this issue several times already. However, I was informed by both the U.S. Department of Education 's Ombudsman, as well as the Florida State Attorney General 's Office to contact you again, due to the latest update on Private student loan forgiveness through the XXXX. I was recently contacted by the U.S. Department of Education that my Borrower 's Defense Claim for my Federal student loans has been approved, and that my Federal Direct Student loans will be forgiven. I now ask the CFPB to assist me with getting my private student loans forgiven with XXXX or Campus Student Funding ( CSF ), formerly XXXX. I will also like to be reimbursed for all out of pocket payments I have been making towards my private student loans to date.

Company response to consumer: Untimely response
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunt & Henriques (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and housewife, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Wells Fargo Bank closed  XXXX  of my accounts without notice and then would not let me pay them off for over  TWO YE ARS! They continued to show me Charged OFF and hurt my credit score for THREE Y EARS NOW! Accounts ending #  XXXX  for {$260.00} and #  XXXX  for  XXXX .     I had to hire an attorney to get  Wells Fargo to accept payment and they would not accept payment! I tried going into the bank and asked the managers to accept cash and they would not. I sen t two checks in a  letter I sent to Wells Fargo Headquarters in   XXXX   XXXX , certified mail return receipt ( attached ), attention the VP of Consumer Credit and they did not cash my checks and did not even respond to my certified letter! I have written letters and rec 'd   one form letter back which was a joke since they would n't accept payment.
I read an article about how Wells Fargo created all those FRAUD loan accounts and saw a special line to call if I had problems with Wells Fargo and called. That person DID accept payment and these   XXXX     accounts are now paid in full  XXXX      2016 ( attached ).
All the time however, Wells Fargo continued t  o report me as a charged off account hurting my credit scores after I walked in and tried to pay these accounts off in cash!!

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 10-04-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau reporting unverified accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: Trans Union had an " inquiry issue '' Trans union deleted XXXX inquiries from my trans union credit report. About a week later they replaced these items back on my report. They never sent me any letters or attempted to make contact with me to let me know they added items back on to my report..

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 06/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Struggling to pay mortgage

Complaint: We have tried with our best efforts to communicat e to Nation Star our current mortgage is to high ( 6.68 % ) in interest alone and this resulted in a higher payment. Nation Star  has responded to this by explaining why its higher and that our income does not have any affect on the modification that was approved, however we rejected the modification and we are reques ting Nation Star consider a second offer of modification with new information submitted. We have consulted with two hou sing counselors (  XXXX  and  XXXX   XXXX   XXXX   ) both  stated we need to reject and resubmit the new information which included our obligation to pay past due s Home Owners Association dues  which was not address when we were in bankruptcy. The BK XXXX  has been completed and discharge. We are now obligated to pay {$4800.00} balance as well as replace an existing vehicle for my husband to continue to work his fu lltime job. Nations Star is now in the process of changing its name, we do not want to be stuck in a cycle and ignore while this company attempts to change its image.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Bank account or service (Checking account) with DISCOVER BANK (NJ).
Issue: Using a debit or ATM card

Complaint: DISCOVER BANK IS UNFAIR! THEY PROMISED TO SEND ME FORMS TO DISPUTE A FRAUD THAT XXXX DID ON MY BANK ACCOUNT! I NEVER RECIEVED THE AFFIDAVIT AND DISCOVER IS CLAIMING THE CASE WILL BE CLOSED IN THE FAVOR OF THE MERCHANT BECAUSE I DID NOT SEND THE FORM! I NEVER RECIEVED THE FORM TO BEGIN WITH!

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am very confused. Many years ago I put complaint with  XXXX  now Navient and I knew they wer misinforming me. Also, corrupt practices on interest calculation. I was so   XXXX   and felt I had no choice or options. Now I am on social security and can not afford the payments. I have been extremely misinformed over many years. The interest calculatios are fraudulent and corrupt. They need to remove some of this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Billing disputes

Complaint: I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2016 about Bank account or service (Other bank product/service) with BANK OF THE WEST (WA).
Issue: Account opening, closing, or management

Complaint: I put money into a money market fund with Bank of the West as part of a relocation from XXXX XXXX, XXXX to XXXX, XXXX. I opened a Money Market account to stash the money I had leftover from the move in an interest bearing account that I would n't have to manage or worry about. I had to withdraw an amount that I did n't realize put me below their minimum balance. At the time I had apprx. {$850.00} in the account. I went years without checking it until I got a notification saying it was overdrawn. I contacted the bank to inform them of their error and found out at that time that they had been charging me $ XXXX/mo for being below their minimum balance, which had resulted in them confiscating every penny of the money I had in that account. They told me it was my fault for not checking my account. I trusted Bank of the West with my money. By not phoning me or making any good faith efforts to inform me of my financial position, they failed to live up to the trust I put in them. If they were worthy of that trust, they would 've transferred that money into my checking account. Instead, they stole it. I think they owe it to me to refund every penny. 
I 'm sure I 'm not the only one who has been ripped off in this manner.

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 11/30/2015 about Bank account or service (Checking account) with ALLY FINANCIAL INC. (GA).
Issue: Deposits and withdrawals

Complaint: Re-AllybankI make auto loan payments to Ally bank in the amount off {$170.00} per month. The payments are due on the XXXX day of each month. I was late in the month of XXXX and schedule the payment on Ally 's website to be made on XXXX XXXX. In the interim, I received a letter from Ally of intention to report my late payments to the credit Bureau re. I called and spoke with a XXXX and then with a XXXX, was a supervisor. 
Despite the fact that we verified my payment scheduled to be deducted from my account on XXXX XXXX, Ally, without authorization deducted the payment from my account on XXXX XXXX. 

I incurred charges because the funds were not then available and, my other chicks were returned and I was charged various fees. I discussed the question of the fees with the bank but they refused reverse the payment and then deducted on the date scheduled, which is XXXX XXXX. They also refused to refund the fees that were charged in connection with early deduction and, in connection with the charges incurred because my other checks were returned as a result of their early withdrawal of funds from my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with Asset Recovery Solutions, LLC (CO).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I payed a collection in full to Asset Recovery solutions for XXXX XXXX XXXX card on XX/XX/XXXX. It has been a week and I need a letter showing that is payed and no one will supply the letter to XXXX XXXX XXXX  saying it has been paid. I did a wire transfer so the funds should n't have to be held for any period of time. I tried to pay XXXX XXXX XXXX but they would n't take the money and referred me to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit reporting () with William D. Meeker Enterprises, Inc. (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I found that someone did a hard inquiry on my credit 2 days ago and I am currently not applying anywhere for credit, I tried calling the company listed as CIC to complain but no one answered, I left a message.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I spoke with XXXX in the consumer affairs division this past Thursday XX/XX/2016 about the XXXX point difference between XXXX ( XXXX score ) and Equifax ( XXXX score ). She gave me meaningless blather instead of any solid info. I 've been in finance for 30 years dealing with credit reports. it is highly unusual that a score varies almost XXXX points. Most Fico scores vary between XXXX difference max. I also told XXXX the information on both reports was IDENITICAL making the score that much more ridiculous. 

After speaking with her on XX/XX/2016, I checked my scores yesterday only to see my Equifax score drop another XXXX points since XX/XX/2016. There has been absolutely no change to my profile so I am once again baffled by how Equifax can be so far off. ( Picture Attached ) I have filed more than one report on this but the CFPB seems to be just another useless GOVT agency with all bark and no bite. Maybe the CFPB can tell me whats its purpose is because if you 're just their to forward complaints back and forth ... then your useless. 
Why does n't the CFPB DEMAND an explanation?

Company response to consumer: Closed with explanation