milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: Trouble during payment process

Complaint: An amount of {$560.00} is owned by Nationstar Mortgage. On  XXXX   XXXX   XXXX   XXXX    XXXX   transferred my loan #  XXXX  to Nationstar Mortgage along with same loan terms. What occurred during the month of  XXXX   XXXX   XXXX  was a automatic payment made to   XXXX   by    XXXX   XXXX   XXXX    of  XXXX , along with two other payments made on  XXXX  and  XXXX   XXXX   XXXX . Nationstar claims non-receipt of payment of  XXXX   XXXX   XXXX  but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on  XXXX   XXXX   XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents.   XXXX   XXXX   documentation verified all three payments were made. Nationstar on  XXXX   XXXX   XXXX  in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in  XXXX   XXXX  subsequent to  XXXX   XXXX   XXXX , were two others on  XXXX   XXXX   XXXX  for partial and principal transactions. Transactions made during  XXXX   XXXX  were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm A victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate,  etc. resulting in a data breach in XXXX/XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I act as a closing agent. I remitted mortgage payoff funds to XXXX XXXX XXXX via overnight USPS. Funds were never cashed. XXXX transferred loan servicing to Nationstar Mortgage. Nationstar ultimately contacted borrower to advise of late payment on a loan that was believed to have been paid in full in preceding month. This resulted in me tendering a new, greater payoff amount to Nationstar. When attempting to contact XXXX, all calls roll-over to Nationstar. Customer service at Nationstar is nonexistent. I have a similar occurrence on another transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have five loans with Navient ( formally XXXX XXXX ). I wanted to pay more than the minimum payment and apply it to the loan with the highest interest rate, pay it off first. I was told twice by a customer service representative that I was unable to do so I have to pay the oldest loan first ( which has the lowest interest rate ). I accepted this and moved on. I have been researching recently ways to pay down my debt faster and found that I was given false information from my student loan provider. I have extraordinarily high interest rates on these loans. I am not on a payment plan I pay full principle and interest. I simply need to make progress on these high interest rates. The amount that gets applied to my principle keeps decreasing while interest is increasing. I don't agree with this either. I think my payments are being applied incorrectly. I had a loan for {$1500.00} in XX/XX/XXXX and I still owe {$1100.00} I started paying this ins XX/XX/XXXX. By my calculations, this should be paid off in XX/XX/XXXX, but they are stating XX/XX/XXXX. Something isn't right. I am not making any progress on my payments because of the incorrect allocation of payments and the incorrect information I received. 

Also, my payment per month is steadily increasing as well while I am still paying more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (I do not know) with Conn's, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never gone by the name of XXXX XXXX as reported in the Experian 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 non-monetary relief
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Ive contacted Experian through the US mail to dispute XXXX XXXX XXXX XXXX account that is reporting on my credit report several times. After each investigation, I received a correspondences letter that read they verified the information as correct. I then proceeded to request copies of the documentation they have used to verify the information, specifically the contract, note or other instrument bearing my signature that was used to verify that I had a contract with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian did not provide any of this documentation that the law states they have to provide but only sent a letter that I received XXXX/XXXX/XXXX. This letter stated they would not reinvestigate this account. Again, per my last letter that was sent certified US mail on XXXX/XXXX/XXXX with tracking XXXX I specifically asked to provide proof of this alleged item with the instrument bearing my signature and nothing was ever provided.

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 01-01-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Making/receiving payments, sending money

Complaint: On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Currently, my XXXX credit card is no longer reporting on my Equifax credit report. I have been an authorized user for this credit card since XXXX. XXXX has confirmed ( see attached ) that it is currently reporting the data from the account holder as well as my information to all XXXX credit bureaus. Attached is a letter from XXXX confirming this information along with a current statement. In addition, I 've also included an Equifax credit report dated XXXX displaying the account previously reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. OnXX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. OnXX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. OnXX/XX/XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

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 08/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Struggling to pay your loan

Complaint: The company has been harassing me at my employment about paying the bill on the loan. I have expressed to them that I am not working as often and I am ill, in and out of the hospital. I did not and do not give them permission to harass me and nor my family about calling me about this loan. I am requesting that they set up a payment plan that is affordable to me at this time. I do not have a problem paying the bill, but I will NOT accept them harassing me.

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 02/26/2018 about Mortgage (FHA mortgage) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Struggling to pay mortgage

Complaint: Capital One has committed Mortgage Fraud against me they transfer my loan # XXXX over to XXXX XXXX falsifying that I was four payment behind XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Capital One has never updated my loan in there system I never received mortgage statements in the last two years my loan was listed in Bankruptcy I was XXXX in XXXX my loan was current with a large payment amount to reinstate my loan. I had to hire and attorney XXXX XXXX with another fraud issue Capital One committed doing, there yearly payment statement doesn't match my mortgage payments reciepts. I would like for Capital One to remove those 4 payments error and contact XXXX  XXXX with this error.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with Total Card, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Experian Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call Experian Opt Out at XXXX or write. 
First - XXXX XXXX XXXX regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on Experian, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via Experian is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. Experian 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want Experian collecting, or reporting any of my financial history.

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 12/17/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: In 2014 Bank of America inexplicably shut all my bank accounts along with some longstanding credit cards. No reason was provided and no appeals process made available to me. I was at a complete loss and had to scramble to open new accounts, causing me to miss credit card payments and severely harming my credit score. I was not aware of the CFPB so i did n't file anything back then. A week and a half ago i tried opening a new account with BofA but got a response that " based on our records we 're unable to open new deposit products or services '' for me. I thus turn to the Consumer Protection Bureau to get some answers ( which BofA has refused heretofore to supply ). Tnx

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 11-01-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: After I was XXXX from XXXX Bankruptcy in XX/XX/2014, OCWEN forced insurance on my property. I had proof that I already had insurance. It took me XXXX XXXX XXXX XXXX months to have it reversed. Then OCWEN took the extra monies and applied it to the loan instead of placing it in escrow. I was then preparing to sell the home, and discovered the title of the home was in The XXXX of XXXX 's XXXX name. When I confronted OCWEN, they did nothing. I then requested a detailed report on the status of the loan in XX/XX/XXXX. OCWEN sent me a statement. I then, for the next XXXX months, faxed a request, phoned in several requests for a detailed report for the loan. They have not delivered that information year to date. In XX/XX/XXXX I retained legal counsel. I demonstrated where the XXXX paperwork showed the debt agreed upon was paid in full and the balance is XXXX. Now please keep in mind, I am not necessarily saying I do not owe a balance. But I do not owe the amount OCWEN states. OCWEN never deducted the amount I paid in XXXX bankruptcy. That is the dispute, and OCWEN has foreclosed on the loan on a property that is not in my name. My lawyers have defended the loan as a typical foreclosure. It is not. I have sought other counsel, who have said I have a case, but want {$20000.00} up front. I can not afford that. I do not know what to do, and my court date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This law firm is attempting to collect on a Tax debt that has been " Closed by the Federal Government '' I 've attached a document that indicates this. I 'm tired of receiving letters from them. I 've sent them proof of this but they continue to harass me. Please find the document which backs up my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Non-federal student loan) with Performant Financial Corporation (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: DCS did not send statements of receipt of payments. The information that was provided in ledger by a third party shows the accurate amount received was not applied to my account. 
DCS failed to respond to my written request for a statement and did not notify me that they would be transferring my account to another company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Credit monitoring or identity theft protection services

Complaint: I have been having constant problems wit h Nation Star  mortgage for the past year but most recently when their " dedicated loan  specialist  '',  XXXX   XXXX  put me on a repayment plan beginning in  XXXX  of  XXXX . This repayment plan was supposed to end in  XXXX  of  XXXX . The payments were scheduled for {$1600.00} each month. The first month of  XXXX   XXXX , I made a payment for more than the asked amount for {$2200.00}, then I fulfilled  XXXX  through  XXXX  for the asked amounts of {$1600.00}. The payments were all made on time and the repayment plan was fulfilled. I was told by  XXXX  on  XXXX   XXXX ,  XXXX  when I made the last payment that my credit report would show current for the month of  XXXX  and moving forward I would have scheduled payments of {$2100.00}. Now  XXXX   XXXX  is stating the repayment plan was set up incorrectly which is no reflection of me. This is  all Nation Stars fault and error. I find it hard to believe that after five months of payments that I fulfilled, they are no w finding an error! This should have been found on the very beginning. They are now stating I owe so much more money and they need to fix their error, whether the bank takes care of it or  XXXX   XXXX . The money should be payed through the bank because it is their major error. I want to be shown current a s Nation Star stated  and I want their monetary error fixed through them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have these accounts on my credit report that have been deleted more than once and readded more than a year later. I have added proof of these accounts being deleted. these accounts are not mines as well or was due to fraud. 
I have these seven accounts that needs to be deleted again. 

1. XXXX XXXX XXXX XXXX {$4100.00} 2. XXXX {$10000.00} 3. XXXX {$7600.00} 4.  XXXX XXXX {$1300.00} 5. XXXX. XXXX {$1000.00} 6. XXXX XXXX XXXX {$3100.00} 7.  XXXX {$1400.00}

Company response to consumer: Closed with explanation