milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2016 about Bank account or service ((CD) Certificate of deposit) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: A CD came due, and Wells Fargo did not send me a notice ... ..the next year they sent a letter saying the account was dormant because of no use and could go to the state if I did n't address the issue. I asked why the interest was n't considered use, and they just said it was n't. This was relayed from the CD dept. ( on the phone ) to the nice lady who was working with me in person. 

The main problem was, they did n't send a reminder before the CD came due ( my other banks would ). So, it renewed at .35 % interest rate without me knowing. I asked why they did n't send a notice, and the woman on the phone with my person just said they do n't. 

To close the account, they charged me {$47.00}, which I consider theft, since they did n't notify me about the rollover in the first place ... .also because it was probably more than what I made in interest since the rollover. 

I was there from XXXX-XXXX ... ..the branch manager and the lady who helped me were very nice.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX the mortgage company and the mortgage serving company have reported the same amount due on my credit report. This makes it appear as though I owe XXXX as much as the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (MO).
Issue: Other transaction issues

Complaint: never received first cardss : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: They will not answer their phones

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Payday loan () with Midwest Recovery Systems (NJ).
Issue: Can't contact lender

Complaint: I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had previously contacted you when my mortgage company, XXXX, was dragging their XXXX concerning my mortgage modification. Since then they have finally got the papers needed to me and finished the modification. 

Now they have sold my mortgage to Nationstar and I have been informed that I have an escrow shortage so my payment will shoot up to {$1100.00} a month. ( NOTE : I received a letter after starting this that states it will be {$1500.00} a month ) My concern here is that when XXXX did the modification to a 40-year term, they also financed an extra {$3000.00} into the escrow so it would not be short. Now Nationstar is telling me the escrow is short and I should look into a short sale, died-in-lieu, or loan modification. 

Before I ran into problems I was on time with my mortgage, then XX/XX/XXXX I got divorced and XXXX stated the only way they would remove my ex-wife off the mortgage was to refinance me for 30 more years ( I already had 10 years in on the original mortgage. Then XX/XX/XXXX got behind while my new wife was in school, so then I talked to XXXX. All said and done, they modified me for 40 years at {$980.00} a month. I paid 1 month and the loan was sold and now it is {$1500.00} a month. This, mind you is on a {$66000.00} mortgage note. 

And to make matters worse my AC stopped working. Had a service come look and the entire unit has mold in it. I have a XXXX and my wife has XXXX. We are living in an unsafe home for both of us, nowhere to go. 

How is it that these mortgage companies can get away with all this? I am being forced from my home. I have no money, I do not live extravagantly, have a truck that has 18 months before it is paid off. I have said I am not one of those people that stays in a home as long as I can without paying ( you hear horror stories all the time ) but what XXXX has done to me, is forcing me to do just that. 

Do I save and fix AC, do I save and try to move to a rental? We are clean responsible people, but I have XXXX great dog, XXXX cute cats and a XXXX step-son, so my options are limited. Very limited. 

So I ask you, where is the assistance that you hear about that has helped so many others, others that have taken advantage and not paid mortgage payments for a long period of time but were able to refinance to a reasonable payment and a principle reduction? 

I have nowhere to go, no idea what to do. I have been beaten down for the last time. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Other mortgage) with Seterus, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I began the modification process with Seterus in XXXX 2015. I received paperwork in XXXX 2015 stating I could begin the trial payment process in XXXX 2015. I made the first and second payments over the phone XXXX XXXX and XXXX XXXX. When I tried to make the final trial payment in XXXX, a Seterus representative advised me that I had not paid the correct amount in XXXX, that I needed to pay more in XXXX to make up for the lower payment and I would also have to stay in the trial period one more month. I explained that I paid the same amount in XXXX and XXXX, she said no it was incorrect. I was out of town, working, so I paid it. I called in XXXX to, again, make the final payment and the representative told me my modification had been cancelled, I asked why, he checked the notes, said it was because I had made inconsistent payments, because of the XXXX payment. I explained what happened, he checked the notes, said the previous representative was incorrect, he corrected it and gave me credit for the overrage, said he would send my information to the modification department and the would send my modification pacakage. I received a modification pacakage on XXXX/XXXX/15, the principle payment amount was shown as {$900.00}, escrow amount was shown as {$380.00}. I called Seterus with questions about my package, and deferral of my principle amount, and requested to talk to the person handling my modification. I was told that I had to send my request to them in writing, so I faxed a request to them on XXXX. I received another modification package dated XXXX/XXXX/15 ( please see attached copies XXXX on XXXX/XXXX/15, that states my principal payment is {$910.00} plus the added escrow amount of {$420.00}, for a total of {$1300.00}. Which is higher than the original mortgage payment that I had before I asked for the modification. If I could not pay the original, I wo n't be able to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my XX/XX/2016 statement indicated {$370.00} due in fees + overdue payment of XXXX for a total of XXXX. 
( As of this date there 's XXXX in unapplied funds as I am paying extra each month to get current ) {$160.00} listed as maintenance fees rest unknown. the statement listed several fees however each fee listed also listed a credit for the same amount. 
I contacted my server and was told the maintenance fees were due to locks being changed due to an inspection in which the house appeared vacant. I informed my server the house is not vacant and had the locks been changed my tenant would have been lockedout and that is not the case. 
I demanded an adjustment of all fees with confirmation. to this date I have received 2 letter informing me that those fees have been removed. 1st dated XX/XX/2016 & 2nd dated XX/XX/<YYYY> however per my statement dated XX/XX/2016 those fees are still part of the overdue amount. I have requested in writing that they correct this and just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Billing disputes

Complaint: I had XXXX credit cards with Chase Bank that they closed. The credit cards are in good standing Chase closed them for some fraudulent reason, but that is n't the problem I have, I do n't care that Chase closed the accounts, what I do care about is that I have discovered multiple fraudulent charges on my Chase XXXX card and my Chase Freedom card, and Chase has refused to discuss the fraudulent charges with me. I have called and even spoken to supervisors, and they have refused to assist me with the fraudulent charges. I have faxed over copies of the fraudulent charges and Chase has refused to do anything about it. I have mailed copies of the fraudulent charges to where I was instructed to mail them, and Chase still has refused to do anything about the fraudulent charges. Chase Bank has told me that they will not do anything about the fraudulent charges since they closed the accounts. They have told me that I had no choice but to pay the fraudulent charges and that if I did not pay the fraudulent charges they would ruin my credit. I have been threatened and been demanded to pay charges that I did not make and that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (FL).
Issue: Managing, opening, or closing account

Complaint: Why should this company be allowed to send unsolicited pre-paid credit cards in the mail to me? This ought to be illegal.

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 04-01-2017 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Managing the loan or lease

Complaint: I took out a flex loan with Advance Financial. I took out a {$1200.00} four months ago and I still owe almost the same amount. I have paid extra and still ca n't get the loan reduced. I have tried to work out a reasonable payment but they are asking for extra payments instead. Right now, my annual interest rate is 270 %, and all I was told was take out bank loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Transworld Systems is tryi ng to collect a debt that was included in bankruptcy. The debt is fro m 2013. They a re t he 3rd co mpany to purchase the debt and refuse to take it off. It has already been removed by  XXXX  other companies that purchased the debt not owed for {$530.00}. I have filed a dispute with all  XXXX  reporting agencies. I have also contacted the company directly. They have re-aged the debt multiple times, making it appear to be recent and keep re-reporting. They refuse to follow the law. I have never even received anything by mail or otherwise from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been trying to get this debt resolved for over a year. When you call Portfolio Recovery Associates the Representatives mis represent themselves as being in the " Litigation Department '' as an Attorney, continually mis-represent not receiving my written dispute, transfer me to Managers that are not managers, tell me to call a Department that does not exist, tell me that a Vice President will call to resolve, without getting a call. 

They tell me that I am on a " reordered '' line and when I tell them that I am going to " record '' the call they wo n't speak to me. Today I spoke with no less then XXXX representatives and each lied in a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There are XXXX accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Contacted someone not even related to me regarding my 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 10/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: information is not correct. the balance had been considered as paid due to the fact that I was not enrolled. I withdrew in the allotted timeframe. no money was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with DISCOVER BANK (PA).
Issue: Unsolicited issuance of credit card

Complaint: I did paid off Discovery Card with XXXX Bank XXXX XXXXXX/XX/2015 on-line XXXX. A few minutes later I found that money on account XXXX Bank is not enough and I deleted this transaction. I made a payment in a few minutes through the XXXX XXXX Bank in the Discovery Credit Card. However, I found that Discovery still withdraw money from my XXXX Bank account XXXX times and each time the XXXX Bank took with me {$35.00} for insufficient funds in my account. 
I spoke with representatives of the Discovery of this, after I discovered that they did not return the money in the XXXX Bank, I spoke with the manager XXXX. The money was not returned to me, and even then XXXX again withdrew money from my account at XXXX Bank on XXXX XXXX. My question is who will pay me {$100.00} for the " insufficient funds in my account, '' XXXX told me that this will make the XXXX Bank. When I was in the branch of XXXX Bank, they told me that it is the fault of XXXX, and they owe me the money back. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other

Complaint: US Bank placed an unauthorized inquiry on my credit report XXXX. I never made this inquiry and I never applied for this card. Why and how is this on my credit file?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with Ditech Financial LLC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX with Diatech (? ) keeps calling me about a debt which I believe is owed by the previous owner of my phone number, XXXX XXXX. The most recent call I received was at approximately XXXX XXXX, today, XXXX XXXX, 2017.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Student loan (Non-federal student loan) with TEXAS HIGHER EDUCATION COORDINATING BOARD (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I want to pay more than the minimum monthly payment on my loans with interest, but there is no way to do that. The only option on the THECB loan repayment website ( XXXX ) is a lump sum payment that the organization then separates among the loans at their discretion. To change the automatic disbursement among multiple loans, a payment must be made and then a phone call must be placed to them during their business hours, and a request must be submitted to change the payment. The process is too long and difficult, and they have only successfully completed this request one or twice out of multiple attempts. It is in their benefit for my extra payment to be placed on my no-interest loans instead of my loans with interest, and I believe this scheme to be intentionally so. It is too difficult for an average consumer to pay down the high-interest student loans. There should be a less cumbersome method for choosing how to allocate payments among multiple loans.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX my mortgage servicer, Seterus, contacted someone unaffliated with my mortgage - my ex-wife. Our divorce was finalized in XXXX XXXX. The mortgage orginated in XXXX XXXX ( Seterus acquired the note XXXX ). Seterus has my contact information as well as my current wife 's contact information on file with the account. Yet, Seterus called my ex-wife 's house phone number which is listed under her current married last name and is different than the phone number that we had when married. The Seterus representative asked for me by name. The representative did not disclose why they were seeking me and refused to remove her name & number from the account at her request since she is not personally connected to the account. Seterus verified that they have my contact information on file as they contacted me via cellphone on XXXX XXXX, XXXX. The representative stated during that call that I was contacted on XXXX XXXX, XXXX, which I corrected. There is absolutely no way that my account with Seterus has my ex-wife 's information associated with it. My specific complaint is that Seterus conducted itself in an unprofessional, haphazard and wreckless manner by intentionally contacting someone unrealted with my account. This continued practice easily could result in Seterus breaching confidentiality.

Company response to consumer: Closed with explanation