milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: Nationstar recently completed the PMI removal process from my loan but is refusing to refund my PMI over payments in the amount of {$540.00} for the months of XXXX XXXX XXXX 2016. XXXX XXXX, 2016 is the day of record for my PMI request for removal. XX/XX/XXXX is the day I was transferred to Nationstar. Nationstar claims they 're only responsible for refunding the PMI I made to them. This is a clear violation of the Homeowners Protection Act. I have spent hours and hours trying to resolve the issue of PMI removal with the company. This particular incidence is different than recent complaint # XXXX which Nationstar claimed the issue had been resolved.
Nationstar claims they refunded my appraisal fee of {$450.00}. In my opinion, this is an attempt to further break the law. All I 'm asking for is my rights to be honored. Please cancel any {$450.00} appraisal fee " reimbursement '' ( wherever that money is floating ) and refund the over-payments in the amount of {$540.00}. That is the law and legal accounting is what I 'm asking for. Attached is the letter from XXXX XXXX where they 're attempting to address a different CFPB claim that they have no responsibility in refunding any PMI payments. This is a business issue between Nationstar and XXXX, as Nationstar initiated the purchase of my loan and it 's not my responsibility to deal with business related problems between these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (I do not know) with The CBE Group, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been called on my cell phone daily fromby an organization identifying themselves as CBE collections. They have asked for my husband XXXX and said they are collecting a debt and want extensive identifying information regarding him. I have asked each time for information on the alleged debt : Amount, Merchant. etc. Each time I have asked for more information the caller hangs up on me. The calls have originated from the following three numbers : XXXX, XXXX, XXXX. 
My husband and I have no outstanding debt. No collection notices. Nothing late and unpaid. 
Please do not share my mailing address with this organization. I was told I could submit this complaint without my mailing address. I am concerned this is an attempt to harass us or steal identity and I do not want to facilitate either.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (WA).
Issue: Fraud or scam

Complaint: At the beginning of XXXX 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a XXXX ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed {$15.00}. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for {$1000.00} with an APR of 19 % and apparently when I had gone to pay my cousin {$15.00} I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. 
I am furious. I emailed the company and called them. The customer service rep said I " probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! 
I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all XXXX major credit bureaus as illegally checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: On or around XX/XX/XXXX, I purchased several furniture items from XXXX XXXX store in XXXX, Illinois. When my financing application was approved, I realized that XXXX customers finance accounts are being serviced by Wells Fargo ( WF ). Had I been advised prior to the transaction, I would have declined the financing and credit from Wells Fargo. 

After I purchased and received the furniture from XXXX, I then expected to receive a monthly statement from WF. On XX/XX/XXXX, I received my first statement from WF for the purchased items from XXXX. I was surprised when I noticed that my first statement has a past due amount of {$40.00} and a late charge of {$27.00}. I immediately called WFs customer service after XXXX ( CST ) on XX/XX/XXXX to notify them of the error, but the automated voice instructed me to call during business hours. 

On XX/XX/XXXX at around XXXX, I called WFs customer service again and the call was routed to the XXXX. I spoke with a gentleman named XXXX who agreed to waive the late charge as long as I pay the past due balance. I refused to pay the past due balance noting that there should not be any past due balance on my account because the account is new and it is the first monthly statement. In addition, I asked that the late charge be removed immediately including the derogatory notation of a past due charge indicated on the account. 

Further, I also declined to provide my personal, sensitive information to an offshore WF representative for fear of identity theft and potential misuse of my personal information. I told the offshore representative that I prefer to set up a WF account online and pay there instead in order to make a record of my payment. I have every intention of paying my debt to XXXX through WF and will pay said debt as long the amount and records are accurate. I attached a copy of my first bill from WF with the account number and my address redacted for security reasons. Please investigate on this matter and contact me for any additional information you may require to assist 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 monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i keep getting letters saying i have folcosure I went to apply for credit with XXXX. I was denied because my Equifax credit report is showing that I have a foreclosure and garnishment and that is not mine. I have never had a foreclosure on my home or garnishment of my wages either.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: I have been approved for a reverse mortgage however my payoff is approximately $ XXXX. 
Over the course of my Mortgage I have refinanced XXXX times. Each time I used what Bank of America calls it 's " Fast Track '' refinance. This is a method where no documentation is required. I did pay all closing costs for each refinance. It is now my understanding that it is not legal to use this " Fast Track '' more than once, however they did. ( XXXX ) If I was not allowed to refinance through this " Fast Track '' method ( illegally ) I would not qualify for a refinance. The money for closing XXXX would never have been added to my principle and I would not find myself short financially on my existing lien to obtain the reverse mortgage that I seek. 
BofA is refusing to negotiate an option to payoff this existing lien. I would like my closing costs returned to my principle so that I may complete my reverse mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Managing the loan or lease

Complaint: For about XXXX6 years I have had multiple accounts with Conns XXXX XXXX. NEVER once have I ever missed a payment on any of my accounts during all these years. In XXXX 2015 I was late due to holidays and financial struggles. I am at the time in my life to become a first time home buyer and live the american dream. The 30 day late from conns reporting is preventing me from getting special programs i can be eligble to become a homeowner. I submitted a request for a goodwill adjustment to remove the negative reporting due to me being such a good customer out of all these years and having only XXXX late. I really want to become a homeowner and am requesting they remove this XXXXlate payment from credit reporting to all XXXX credit agencys. I am a good customer and deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is reporting my student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus and it was corrected and updated. on XXXX/XXXX/16 I reviewed my credit report and noticed Navient had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Navient has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am filing a formal complaint against, FedLoan Servicing, due to its continuing failure to process my application for the new Revised Pay as You Earn Plan ( REPAY ) in a timely and accurate manner. 
On XXXX XXXX, 2015, I successfully submitted my application to switch from a standard Income Based ( IB ) plan to the new REPAY plan via StudentLoans.gov website. Shortly thereafter, I received an email confirmation from FedLoan Servicing. However, after to calling customer service nearly XXXX different times over the past 87 days, FedLoan Servicing has still not processed my application for the REPAY plan. On XXXX XXXX, FedLoan Servicing sent me erroneous and incomplete repayment terms. After speaking with both a customer service associate and supervisor, I was told that FedLoan Servicing incorrectly processed my application and that it would need to re-process my application. The supervisor, XXXX-employee # XXXX, assured me that my application would be prioritized and quickly processed after I paid an amount of {$250.00}. Yet, after I successfully submitted this payment on XXXX XXXX, FedLoan Servicing has still not processed my application nor has it provided my with any additional information, instructions, or guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with COLLECTIONS USA, INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: XXXX  has ignored my request to provide me with the physical documents that their company has on file that was used to verify the accounts I disputed i  n my file. Due to the fact that they have past the 30 day mark and can not provide documentation for verification of these accounts, under Secton 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 matter as soon as possible.
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Mortgage debt) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CT).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Rushmore Loan Management Services, LLC I continue to tell them to contact my attorney, but they refuse and contact me directly. <P/>I contacted them in 2017 onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXamong other times. They continue to contact me and not my attorney. I have sent them signed written directives to contact my attorney. My attorney has contacted them. They finally responded in letters received on X/XX/2017 saying they had my letters and would contact me in 30 days - no mention of my attorney or the urgent time constraints in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.

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 09/22/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (CA).
Issue: Problem when making payments

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : [ Late Payments ] 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 30 days late as of XXXX 60 days late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I believed that the account was in auto pay that was coming out of my account automatically.

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 04-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: I did not authorize inquiry and I suspect attempted ID theft.

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 12/21/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.

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 01-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CASH AMERICA INTERNATIONAL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Cash America XXXX XXXX XXXX XXXX, OH XXXX is the comany that I had an installment loan with. In early XXXX 2016 they took out of my checking account about {$2600.00} because I was n't able to pay my installment. They made no prior arrangement to take that much money out of my account. Then a few days later they put the money back into my account and took out the normal? XXXX installment. But by that time the damage had been done and I was deeply overdrawn on my account. Then on XXXX XXXX they took {$2400.00} from my account again putting me in the hole with the bank. They say in an effort to collect a debt.The money they took was from my VA check.

Company response to consumer: Closed
Consumer complaint received 06-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I authorized XXXX 's XXXX XXXX in XXXX Idaho located at XXXX XXXX, XXXX, ID XXXX ( XXXX ) XXXX to pull my credit report from XXXX XXXX XXXX XXXX, and that they would come to me prior to going to other lending sources. I made that very clear to the finance manager. What they did is go to 12 plus lenders without my consent. I have made it very clear on how I feel regarding this. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (I do not know) with Coastal Credit, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.

Company response to consumer: Closed with explanation