milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I negotiated a loan modification for my home loan in XX/XX/XXXX. Nationstar is the servicing lender. I have made full payments under the modification agreement from the beginning. Nationstar has at times refused my payments, charged unauthorized fees without explanation, damaged my payment history and placed me in a position of possible default. They have insisted on phone consultations regarding these matters. Beginning with the XX/XX/XXXX payment I began to make my payments only with certified funds delivered to them by certified mail to establish a legal record of my communication with them. In prior phone consultations their representatives made statements that were not true and Nationstar followed up with charges, fees, misapplication of payments and other actions not authorized under the modification agreement. Available by request are 1 ) the modification agreement ; 2 ) XX/XX/XXXX cover letter with payment ; and 3 ) XX/XX/XXXX letter with payment. I request any assistance with this matter that you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (IL).
Issue: Taking out the loan or lease

Complaint: The loan terms for my 2011 XXXX. I have made over XXXX payments of XXXX for this car and have yet to reduce my loan amount ( XXXX ) due to my interest being sky higher ever then I truly understood or agreed to. I have contacted Exeter Finance and they refuse to renegotiate my terms. I am stuck in a contract that should have been paid for already. Plus the late fees that was n't explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Everytime they are forced to remove the debt due to satute of limitations the keep reposting it. XXXX who is the originator of the debt charged it off and released me from the debt and a year later LVNV XXXX started trying to collect. My income is judgement proof by federal law They need to stop trying to collect an old debt out of the statute of limitation and forever remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (LA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Ive contacted the companies and tried to resolve the matter still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 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: Personal information incorrect

Complaint: The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. 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 11-08-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Around XX/XX/XXXX, I took out a loan with XXXX. XXXX I received an email saying that they no longer made loans in the state of XXXX and I needed to pay the loan off. I tried but the interest was out of control. I got behind on the loan. On XXXX XXXX, XXXX I received an email saying the loan had been sold to National Credit Adjusters in XXXX, XXXX. They started harassing me for way more money than the loan was for in the beginning even tho I had been paying for it for a year or more. They finally offered me a settlement of XXXX % of what they said I owed and they said that they would mark the debt off as paid. I paid the amount they requested ( over a year ago now ) and never heard another word from them again until last week. I checked my credit report and there is no mention of any debt with them. ( XXXX had been on there when I did owe them money but all signs of it has been gone for over a year now ) Last week I received another letter from them telling me I needed to pay them off and offering me the same settlement that I had already accepted and paid off over a year ago. I am afraid to call them as that would just give them my number again but this debt has long been paid. I do n't know how to handle this situation. I read several things on the XXXX web site where other people are also facing similar issues with National Credit Adjusters. All of their responses to the complaints people have submitted to the XXXX are all exactly the same and they have had their XXXX membership revoked for failing to attempt to resolve problems with customers. Can you please advise me on the best way to handle them? I really do not have the money to keep paying their settlements every year or so and I really do n't think that it is fair to demand to be paid again when they said they would accept the XXXX % that last time as full payment of the account. The original loan with XXXX was a total rip off that is next to impossible to get out of in the first place, but now National Credit Adjusters is taking it beyond the limits.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories, devaluating my rewards by XXXX %. Over time the monetary value lost in rewards may be higher than {$500.00}. 

I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition, but I was not given any option.

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 07/25/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Consumer Loan (Vehicle loan) with U.S. BANCORP (TX).
Issue: Problems when you are unable to pay

Complaint: I had a personal business matter with US Bank exposed to XXXX of my co-workers and possibly several others. Where I work we are very busy company with hundreds of employees and millions of customers. I was assisting a customer, when another co-worker came to me to ask me if I drove a XXXX and descried my vehicle to the XXXX At which time I stated yes, thinking someone had hit my vehicle once again in the parking lot. She then proceeds to inform me that my vehicle was being towed. I was in a state of confusion because I did n't understand why my vehicle was being towed and had no way to disconnect with my customer that I was assisting. Another co-worker happened to be going on a break and went outside at the same time my vehicle was being towed. She asked the tow truck driver if it was okay for me to retrieve some of my personal belongings because I was with a customer and had no clue as to why my vehicle was being towed. The driver informed her that he had no problem allowing me to retrieve my belongings. This is where the conversation should have ended. However, he then took it upon himself to disclose the fact that the reason why my vehicle was being towed was because I was behind XXXX months on my note per US Bank and at their request. This information should have NEVER been disclosed. My co-worker never asked why it was being towed. She only stated that she knew who the vehicle belonged to and if it would be okay for her to come get me so that I could retrieve some of my personal belongings in the vehicle. I am a student and go to school at night. Therefore, I needed to get my school bag and scrubs out of my vehicle. I work a full time job from XXXX and attend XXXX from XXXX too. I have been COMPLETELY EMBARASSED in front of my entire facility and the people I work with. This situation should have never happened in the first place. I was in contact with the lender, whos agent supposedly duly notated my account, due to my personal bank account being stolen and another private matter, I made arrangements to rectify this situation as soon as financially possible ( because I get paid at the end of the month ) and was informed that my vehicle would not be in danger of being repossessed. This was clearly all XXXX big lie. On top of all of that, in good faith, I made a payment XXXX days after speaking with this agent even though the agreement was for the end of the month. Lesson learned her is always make sure what is communicated between an agent and consumer is actually properly notated on your accounts and never put faith or trust behind a persons words because that is all they are, just words.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: automatic bitcoin transfer from coinbase to XXXX  platform stuck after depositing XXXX BTC to XXXX from external source. XXXX is the trading platform of Coinbase. 
Result : approx Eur XXXX worth of Bitcoins not accessible for approx 10 days now - Coinbase reports successful deposit from external source and reports successful auto-transfer to XXXX ( XX/XX/XXXX/XX/XX/XXXX ) - XXXX still reports transfer as pending ( status XX/XX/XXXX ) - As a result, deposited bitcoins not available on both platforms ( Coinbase and XXXX ) For approx 10 days now these funds have not been available to me to trade. They should have been available to me immediately after successful reception by Coinbase on XX/XX/XXXX, as the auto transfer from Coinbase to XXXX should have been instant. The value of the vanished bitcoins is approx Eur XXXX. 

- I created a Coinbase trouble ticket on XX/XX/XXXX, case ID XXXX, however there has been no response. 
- I created a Coinbase formal complaint ticket on XX/XX/XXXX, case ID XXXX. According to their own terms and services, they should reply within 24 hours, but there has been no response The screenshot ... .232.png attached shows : - left side : XXXX platform where the incoming deposit is shown ( XXXX XXXX - XX/XX/XXXX UTC ) which is still on " pending '' - left side : coinbase platform showing " received bitcoin XX/XX/XXXX + XXXX '' and in " transferred bitcoin to XXXX '' XX/XX/XXXX XXXX, also highlighted in front as " voltooid '' ( completed ) The screenshot ... 430.png attached shows my formal complaint The screenshot ... 536.png shows the first ticket made on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have continuously attempted to work on an issue with XXXX XXXX AKA XXXX over the last few years. Some time ago my identity was compromised by a family member who was living with me for a short while. A number of cards were opened in my name and I even had to go to court to fight this in XXXX XXXX County MD. The judge ultimately was able to dismiss the case because the company could not prove ownership of the account. As with this case, this is the same issue. XXXX XXXX and XXXX are unable to produce a promissory note or a signature from myself stating I opened or signed for this account, this is because it does not exist. I am very frustrated that even after filling out information of fraud and identity theft and sending it to them they have refused to remove this information from my credit report. They have explained that because the card was sent to my address that this substantiates the ownership which I am sure does not fulfill the requirements under federal laws or regulations including but not limited to FCRA or the Fair Debt Collection Practices as I have recieved multiple letters demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: this is with equifax and XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX dollars. this account was charged to indigent care and the doctor himself told me in 2014 there was no charge for this as it is indigent care. please remove at once

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX RECORDER OF DEEDS Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX No phone number available Identification Number : XXXX Address Identification Number : XXXX Status : State tax lien filed. 
Status Details : This item remained unchanged from our processing of your dispute in XXXX XXXX. 


Date Filed : XXXX/XXXX/XXXX Date Resolved : NA Responsibility : Individual Claim Amount : {$2900.00} Liability Amount : NA The above action was posted to my personal history in error because this was a payroll action done under the auspices of a corporation and should have never been posted to my personal credit history Moreover XXXX kept the funds for the employee taxes and never submitted the funds to the State of Illinois. I filed a complaint against XXXX XXXX for this and the issue was never resolved. Also, the correct date was XXXX XXXX and not XXXX Nevertheless, the corporation XXXX XXXX should be held liable for the taxes. Pursuant of the Fair Credit Reporting Act and Federal Corporations Act this items should be deleted from my personal credit file immediately.

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 06/26/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is very old past 7 years, these companies buy and sell this account and this company keeps on reporting it Midland Funding

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.

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 07/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problems caused by my funds being low

Complaint: I was checking my bank account to see if my check was posted on Monday, throughout the day it appeared that I had plenty of funds. The next day, I checked my account and the check was listed as posted the day before, and a XXXX dollar fee was assessed by Bank of America. I spoke to them via chat function and they stated that they let the check go through and assessed the fee. They would not refund the fee as they state that the check. was posted on the day before ( even though it did not appear on my online banking app )

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 monetary relief
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I checked my Wells Fargo online account today and noticed that it showed a {$290.00} balance but {$0.00} available credit. I have a {$1000.00} credit line on this card. I checked my posted transactions and saw that 2 recent payments had posted to my account ( {$360.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX ). I emailed Wells Fargo immediately and was told that these payments were " on hold until XX/XX/XXXX and XX/XX/XXXX '' as I had made " too many payments '' to my account this month. Another check of both my Wells Fargo account and my bank accounts showed that not only does my Wells Fargo show these payments as posted, but my Bank accounts show the money as having been withdrawn from my bank accounts on XX/XX/XXXX ( the {$410.00} payment ) and XX/XX/XXXX ( the {$360.00} payment ). In addition, I received my most recent billing statement from Wells Fargo via email on XX/XX/XXXX showing a balance of {$370.00}, which obviously includes the payment of $ 400+ that I had made on XX/XX/XXXX. Lastly, that billing statement has a due date of XX/XX/XXXX that I would not be able to pay on because I have " paid too many times. '' Quite frankly, I feel as if I have been robbed. Am I being charged interest on these non-payments? The money was taken from my bank accounts but is somehow not being paid towards my credit card. Yet, it is SHOWING as being paid towards my card when I check my account. But, Wells Fargo says it isn't. So, the payment is being posted according to them but it isn't being posted? Also, will I be penalized for going over my credit limit when I have nearly {$700.00} before I reach my limit? This is ludicrous.

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 07/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief