milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Settlement process and costs

Complaint: NationStar 's loan officer and underwriter generated a malfeasance loan by encouraging an XXXX XXXX applicant to enter into a mortgage loan and requesting that the non-applicant spouse execute a waiver of rights which would allow the applicant to sign loan documents as a single borrower. NationStar indicated that the name of the non-applicant spouse would remain on the deed however, the mortgage obligation would be in the name of the single applicant. The mortgage loan documents were approved with the single borrower executing all required loan documents. The borrower maintained the mortgage loan in good standing until he deceased several years later. The remaining spouse continued to remit mortgage payments until NationStar stated that because the widow was a non-borrower on the loan, she had no rights to the account or the property. NationStar could not negotiate any refinance options nor communicate any loan information because the non-applicant spouse was not a borrower on the mortgage. The non-borrowing widow subsequently purchased another property with different lender and therefore stopped remitting payments on behalf of the deceased applicant. Subseequent to relinquenshing the property, NationStar filed legal actions against the widow who is a non-borrower and requested that the Illinois XXXX County Courts require new loan documents be executed by the widow and that she be financially obligated on the deceased spouses mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 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: Account status incorrect

Complaint: XXXX  Equifax having proper information on my credit report   XXXX   is correct I sent both credit agency to copy of the  XXXX  report and ask them to update it they have not done so as of yet. They all should have the same type of reports where information is concerned they do not match.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it  shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX. 
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them. 
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I get about 10 calls a day from a company telling me I need to quickly use them to forgive my student debt before time runs out. Once I start asking questions about how to prove they are not a scam, or if I can find them online, they immediately hang up. Day after day, these calls come in, even though my number is on the Do Not Call list. These are the phone numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I reviewed my credit report and XXXX has listed my XXXX payment as delinquent. My payment due date is the XXXX of each month and my XXXX payment was submitted on XXXX XXXX. It was not past due as indicated 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 08/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DE).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2015, an elderly customer went into a local branch of Wells Fargo in XXXX, PA and asked the teller to transfer {$6000.00} from a savings account into a checking account. The teller, in error, transferred the money from the checking into a savings account. This action caused the checking account to be negative. On XXXX XXXX, the customer attempted to withdraw money via an ATM and was not able to because of the negative checking account balance. The customer went into the branch for assistance and that is when the teller error was discovered. The branch reversed what they did and that brought the account into the positive. The branch manager apologized for the error, assured the customer that fees had been reversed and the customer leaves. Later that same week, the customer attempts to take money out from an ATM and again, there was no funds available. The customer goes into the branch again to see the branch manager. The branch manager advised the customer that this issue was his fault. It was the customer 's responsibility to monitor his account on line and that it was his own fault that the transfer was done backwards and that had he reviewed his account on line, this would never have occurred. Then the branch manager lectured the customer to the benefits of paying bills on line. The reason the customer was not able to withdraw funds the XXXX time was due to the branch reversing their error, but never actually doing the original transfer. Upon reconciling the checking account, the customer discovered the transfer had not taken place and the funds were moved at that point. It was also found that not all of the fees incurred were not reversed entirely, but only partially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I need help in getting the written dispute policy and procedure guidelines for the  American Express Business Card.      I continue to struggle getting a consistent and complete action when I inquire or dispute a merchant charge.     There are times when I inquire OR dispute a charge and nothing is do ne. I continu e to have to make follow up calls to Customer Service after I see NO action is being done on their behalf. I feel they are giving me answers to simply get me off the phone as they are NOT following through on their words. This type of business practice has continued for years.     I have asked  American Express Customer Service many times for a copy of their written dispute policy and procedure. They will NOT provide me with this information. Is there also a 3rd part y representative that can assist me in making sure I am treated fairly and make sure their policies are followed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In the Memorandums of evidence attached, you will find a timeline reflecting the amount of time wasted in trying to communicate with XXXX and Select Portfolio Servicing XXXX Inc. ( SPS ). Additionally, there is a breach in contract due to the fact that neither XXXX nor Select Portfolio Servicing, Inc. ( SPS ) honored the Loan Modification promised, although taking the payment for the loan modification account AND a judge approving that the loan modification contract should be upheld ( also attached ). 

We believe that XXXX willfully denied the modification ( after contact signature and taking payments ) and transferred the loan to Select Portfolio Servicing XXXX Inc. ( SPS ) within 24 hours after the denial so that they would not have to face consequences. Furthermore more, willful negligence is purported on Select Portfolio Servicing, Inc. ( SPS ) as they did not even give a reason for the breach of contract until XXXX 2015, 150 days after they received the notification of transferal. Additionally, both XXXX and Select Portfolio Servicing , Inc. ( SPS ) is refusing to uphold a judge 's ruling to honor the loan modification as well as refusing to honor the loan modification contract itself. 
Therefore, we are charging your company with the following acts : Unfair Business Practices : These XXXX banks are using the bankruptcy process to push homeowners into foreclosure ( XXXX vs Select Portfolio Servicing , Inc. formerly known as XXXX XXXX XXXX Performance of Deceptive business practices ( misleading me regarding true reason of loan denial ) Breach of Contract : refusal to adhere to judge 's ruling and refusal to acknowledge the loanmodification contract that was signed and sent back Intentional/Negligent infliction of emotional distress : intentionally and negligently withholdinginformation of the true reason of denial for 3+ months Predatory lending strategies : trying to force a new loan modification procedure/application while not upholding previous contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (KS).
Issue: Shopping for a loan or lease

Complaint: I am a single mom of XXXX kids, needed to tag new car I just bought. I went on the internet to apply for an internet payday loan. I applied for the loan for {$600.00} originally. I was told that I could pay it back over a period of time beginning XXXX/XXXX/2016 ; of which that are making me pay it back starting on XXXX/XXXX/2016. I was never told about me having to pay {$150.00} in interest every two weeks, ( there is no way I can afford that ), which does not go against the principal amount borrowed. this is what is included in the contract : ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
556.7963 % FINANCE CHARGE The dollar amount the credit will cost you. 
{$2600.00} Amount Financed The amount of credit provided to you or on your behalf. 
{$600.00} Total of Payments The amount you will have paid after you have made all payments as scheduled. 
{$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with Ballybunion Enterprises, Inc (NC).
Issue: Problems when you are unable to pay

Complaint: I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Vehicle loan or lease (Loan) with SUNTRUST BANKS, INC. (AL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.

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 09/26/2015 about Debt collection (Medical) with Revenue Recovery Corporation (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Service Systems, Inc. (WA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: southern collection systems have contacted me twice before XXXX XXXX, regarding a debt for XXXX. The first time they called at exactly XXXX XXXX pst and left a voicemail which registers on my phone at exactly XXXX XXXX. I requested the next time I spoke with them not to call before XXXX XXXX. However, they called again on XXXX XXXX at XXXX am.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with ARC Management Group, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Managing the loan or lease

Complaint: My car loan company has closed my acct and shown it as bad debt. I still have the car and am making payments, at this time I am current. This has caused me great grief as I can not buy a home due to poor credit marks by them. In addition they have charged me XXXX in fees. the original loan was for XXXX to date I have paid XXXX and still owe XXXX. Something does n't seem right. I never signed a contract with these people. Originally I signed with a much better company

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Unauthorized debits appeared on my checklng account as debit card transactions at JPMorgan Chase in the amounts of : {$350.00}, {$5.00}, and {$2.00}. 
I filed a fraud report via telephone with Chase customer service XXXX # on XX/XX/XXXX after visiting a branch to also report fraudulant activity on my debit card when my catd was cancelled and I received a replacement card. Chase issued a temporary credit on XX/XX/XXXX in the amount of {$11.00} while they researched my claim. 
Yesterday, XX/XX/XXXX I saw the charges has been reserved and contacted Chase via their Customer Support XXXX # once again. I spoke with 3 different representatives all of whom stated that they had verified that my card was in fact used for these transactions And was Chip verified. While my card was not lost or stolen, I adamantly believe that I am a victim of fraud. The descriptions of the 3 transactions were at a building on my college campus that does not have a vending or other sales terminal. I inquired with my school and they advised that they have no record of these transactions and advised me to contact my bank. 
Additionally, I was in class at the time of at least one transaction ( XX/XX/XXXX ) so it is impossible for me to have made the transaction. 
Today, I visited my local branch and spoke with a banker. He advised that the transactions were done at a street vendor. This makes no sense to me since I have not recently been to any street vendors. And, there are not ant street vendors near or around my campus. 
Chase continues to insist that these charges are not fraudulent because they were chip verified and my passcode was used which I find to be outrageous. 
They refuse to consider that someone perhaps stole my information thru a skimming device or similar.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home XX/XX/XXXX. Leading up to the process XX/XX/XXXX I talked to a few lenders. I work in XXXX and am very familiar with the mortgage/home buying process. I was interested in a conventional XXXX fixed mortgage for which I would make a 5 % down payment. I selected Wells Fargo. 
Because of my down payment amount, I knew I would be subject to private mortgage insurance ( PMI ). I was always told by the mortgage banker at Wells Fargo that after XXXX years I would be able to eliminate mortgage insurance if I could show that I had at least 20 % equity ( Loan-to-value ratio of 80 % or lower ). 
XXXX years elapsed and I went to get an appraisal. Wells Fargo then notified me that I would need to have 25 % XXXX. When I asked why it was not 20 % as had been told to me before and during loan closing, they said that it had changed to 25 % because of the pool of mortgage backed securities the loan was sold to. 
Of course I then called Wells Fargo to ask what was stated regarding PMI in my loan agreement. They said that the ability to eliminate PMI based on increased market value was not in writing, since it could change post-closing. I think it was inappropriate that this fact was not disclosed to me at any point during the mortgage process. 
While I understand that as part of the mortgage process I consented to the resale of my loan post closing, I think it is inappropriate that I was negatively affected economically because of the party that Wells Fargo had decided to sell my loan to. My mortgage insurance was {$250.00} per month and I was always told that if market values increased I would be able to get the PMI removed after 24 months and having reached 20 % equity. If the fact that it could change without my consent had been disclosed I would have sought a lender that would have maintained the requirement of 20 % equity for early PMI removal. I spoke to my XXXX and he had never heard of the 20 % equity requirement changing to 25 % equity post closing of the loan. 
My loan balance when I got the appraisal was approximately {$300000.00} and the appraised value was {$410000.00} XXXX I had 24.6 % equity ). I was required to make a paydown of {$1800.00} on my loan. While I was able to remove PMI with a paydown I could afford - I know this might be happening to other Wells Fargo clients and I think they should receive compensation if a loan resale decision affects them economically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: this complain would be the XXXX time that I have ask Transition to investigate late payments in my report and all I get in return is they need more information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Debt collection (Medical) with Collection Bureau of Fort Walton Beach, Inc (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: After comparing a credit report pulled for a mortgage with my XXXX account I noticed that there are two different names reporting the same amount. So I then compared the account numbers are they also were the same. Finally, I check the Date of Last Activity ( DLA ) on my credit report and the dates are either not there or at least a year old and listed as reported or opened this year or last year. I believe that this agency and other agencies on my credit report are selling the alleged debts and changing the dates. XXXX has also reported this same debt.

Company response to consumer: Closed with explanation