milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I SUBMIT MY MODIFICATION PACKAGE TO MY LENDER NATIONSTAR MORTGAGE, THE FILE WENT TO THE UNDERWRITING DEPARTMENT AND THE FILE WAS DENIED PER MY ASSIGNED REPRESENTATIVE. I ASKED HER WHY AND WAS INFORMED IT WAS DUE TO MY INCOME, SO I ASKED WHAT NUMBERS WERE USED AND SHE PROCEEDED TO STATE WHAT WAS PROVIDED ON THE APPLICATION WAS THE NUMBER USED. SINCE THAT IS A VERY VAGUE ANSWER AND THE FILE GOES TO UNDERWRITING FOR EXACT INCOME CALCULATIONS THAT ANSWER DID N'T MAKE SENSE THAT THEY WOULD USE THE NUMBER I GIVE AND THEN GO TO UNDERWRITING FOR CALCULATIONS SO I ASKED AGAIN AND AS SHE SIGHED FOR ME ASKING HER TO DO HER JOB SHE STATED THAT THE INCOME USED WAS {$9800.00} GROSS AND {$1900.00} NET WHICH BROUGHT MY RATIO TO 145 %. I ASKED MY ASSIGNED REPRESENTATIVE HOW DOES THAT MAKES ANY SENSE THAT THEY CALCULATE MY INCOME AT ALMOST 10K AND NET UNDER 2K AND IF SHE IS MY DEDICATED REPRESENTATIVE IS IT NOT HER JOB TO HELP WITH THE FILE AND SHE STATED HER JOB IS TO READ THE NOTES, NOT TO CALCULATE INCOME OR ANYTHING TOO INVOLVED. 
JUST AMAZING!! 
MY REPRESENTATIVE STATED THAT SHE WOULD EMAIL THE UNDERWRITING DEPARTMENT AND NO PROMISES. AS YOU CAN SEE SHE WAS VERY HELPFUL. I CALLED BACK TO THE LENDER AND THEY STATED THAT THE FILE WAS STILL DECLINED HOWEVER THEY DID HAVE A NEW INCOME THAT WAS USED, {$9800.00} GROSS AND {$3900.00}, STILL WRONG BUT AT LEAST THE UNDERWRITING DEPARTMENT GAVE IT A GOOD TRY. 

I FIGURED I WILL SHOW HOW TO CALCULATE THE INCOME SO WE CAN ALL BE ON THE SAME PAGE. 
PAY STUB USED XX/XX/2016 {$97000.00} YTD GROSS XXXX PAY PERIODS {$97000.00} DIVIDED BY XXXX = {$4400.00} {$4400.00} MULTIPLIED BY XXXX PAY PERIODS = {$110000.00} ( YEARLY AVERAGE ) {$110000.00} DIVIDED BY XXXX MONTHS = {$9600.00} BACKEND RATIO IS AT 43.11 % {$43000.00} YTD NET XXXX PAY PERIODS {$43000.00} DIVIDED BY XXXX = {$1900.00} {$1900.00} MULTIPLIED BY XXXX PAY PERIODS = {$51000.00} ( YEARLY AVERAGE ) {$51000.00} DIVIDED BY XXXX MONTHS = {$4200.00} I JUST NEED MY INFORMATION TO BE LOOKED AT CORRECTLY SO I CAN SAVE MY HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: In XX/XX/XXXX I purchased the vehicle which was on the lot for {$20000.00}, with an interest rate of 17.96 % and other added charges the total amount of the loan was {$32000.00} with my payment being {$630.00}. Since XX/XX/XXXX after getting sick, placed on XXXX XXXX, I 've struggled with the payments, had a number of extensions, yet I 've still paid a total of {$39000.00}. At this time I 'm still having some financial woes and talked to them several times about refinance, to lower the payment, yet told that was n't possible. I feel at this point, having paid the total amount of the loan, plus an additional {$7000.00} this debt should be written off as paid in full.
When speaking with XXXX XXXX on the XX/XX/XXXX, they 're saying I still owe approx 13,000.00, if asking about a pay off, 10 day pay off at that time was quoted as {$12000.00}. I am really in need of this matter being resolved as stated, PAID IN FULL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Account opening, closing, or management

Complaint: My bank closed my account due to the fraudulent claim activity that I reported to them was too many in a specified time period.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was the defendant in a Class Action Lawsuit several years ago https : XXXXThe short story on the case is : XXXX was processing checks presented before the deposits were credited, causing XXXX of overdraft fees. Then if that was n't enough Citizens " sold '' all the fake debt to a " Third Party '' collection agency ( Convergent Outsourcing Inc XXXX ) who now appears on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  XXXX .

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 03-11-2018 about Vehicle loan or lease (Loan) with AMERICA'S CAR-MART, INC. (IN).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I've been paying for a XXXX XXXX XXXX from Carmart, Inc. XX/XX/XXXX, the transmission went out. I paid for the tow, had it sent home. Next day I call Carmart about it, they say they will try and have someone come pick the car up for repair ( under warranty ). XX/XX/XXXX, I call around noon and they tell me they forgot to send someone out. The car is finally picked up XX/XX/XXXX ( I believe? ). A few phone calls go by. XX/XX/XXXX, I call wondering where my car is at. The manager and I start arguing. She threatens to throw a bad transmission in my car and give it back to me so I have to pay another deductible, then proceeds to tell me she can keep the car completely while still making me pay for the car. I pay every two weeks, {$100.00}. I try to call customer service and they can't get ahold of me for 5 days due to " having the number wrong '' even though I confirmed the phone number when I spoke to whoever at customer service. Finally XX/XX/XXXX Carmart calls me and tells me the car will be there " within the hour ''. I was at work at the time, and needed to plan ahead. 30 minutes go by and I call back wondering if they got it yet to which she replied, " I said it will be an hour! ". 30 minutes later, she calls and says the car is there then hangs up. I get dropped off by my manager , drive the car back to work. Immediately I notice that the clutch is loose compared to before ( a rebuilt transmission/clutch should be more stiff I would think ), and a rattle after I approach 2800rpm. I finish work , drive home. Next morning, I check the oil, and there is NONE on the dipstick. I take the car to Valvoline immediately for an oil change. They say the transmission is leaking. I call Carmart to tell them  what I find out. I drop the car off the next morning, XXXX XX/XX/XXXX. I waited until XX/XX/XXXX to call the transmission shop directly ( XXXX XXXX  XXXX XXXX ), when they told me that while the trans leak was simply a bolt they didn't tighten to spec upon rebuild, a rod is knocking in the motor and requires a replacement motor. But, so he says, you can not pull a motor from an XXXX XXXX and put it into a Manual, and that the " Manual motors '' are a needle in a haystack. So I'm still waiting for my car back, while still up to date on my payments. Only, XX/XX/XXXX I owe a " tax payment '' of {$340.00} which I'm now unable to pay due to paying twice as much for gas if not more for a minivan that we are borrowing from family, who is now at the loss of a vehicle because of this too. I've also been paying for insurance on a vehicle I do not currently have, and when asking Carmart about a possible loaner while they service my vehicle under warranty, the manager tells me " they ain't no XXXX! ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I just recently divorced. Me and my ex husband both has credit cards with USAA. One card ( XXXX XXXX ) I'm the primary holder, the other card ( XXXX XXXX ) my ex husband as the primary holder, we both added other into the account for convenience during the marriage. I was not sure what term we added each other " joint holder '' or " authorized user ''. Now that we are divorced. We would like to get each other 's name off the cards but was told by USAA we are not allowed to do so. I requested to see any papers that shows we both signed if we were " joint holder '' or " co-signer '' as I know for both of us to be equally responsible for the cards we should at least signed something. But they couldn't provide such documents. I contacted them multiple times. I was told to get a call back never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Closing/Cancelling account

Complaint: Dear Wells Fargo : Yes, I did receive your letter dated XX/XX/2016 ( scanned & attached on here ), but I did not receive a letter earlier dated XX/XX/XXXX as you stated. I 'd like to reiterate that I did not have nor receive your written communication XX/XX/XXXX ; therefore, I was shocked to learn that Wells Fargo had closed the account. 
While I understand but regret of your earlier response that Wells Fargo has the right to cancel or terminate at anytime, however I respectfully request that my earned points or cash credit from uses of the card until XX/XX/2016 can be redeemed since I had had no knowledge as to why. Although Wells Fargo chose to close or cancel the account as wish at anytime, I regret that I had no known earlier reason ( s ) and hope that Wells Fargo could reconsider to reopen the account, or at least fairly allows customer in my situation to redeem the earned credit as of the closing date. 
Thank you for your consideration and cooperation. I look forward to a fair resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo if you make a partial payment applies it to principle, not the balance due for that month. I 'm not talking about an underpayment that is n't fully made by the due date. 

Also on their website you ca n't pay the balance after partial payment due that month, you have to pay the entire month. This is crazy if I owe {$2000.00} on my mortgage by XXXX XXXX, and I want to pay {$1000.00} on XXXX XXXX and {$1000.00} on XXXX XXXX I should be able to do it and that fufill 's my monthly amount due.

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 09/27/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I recently checked my credit report and discovered that this company is reporting that I owe them a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (ID).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX I purchased my home in XXXX idaho through loan servicer XXXX XXXX who sold the loan to the current " servicer '' Loancare , LLC. They never properly notified me of the initiation of transfer nor did I receive a new agreement or packet with necessary information from the new servicer. I have requested several times but no success. I have tried to call to speak with someone to clarify terms and such but I am never able to get anyone on the line. Recently I decided to purchase a second home and to refinance with a completely different company for this loan all together. I have never felt secure since the transfer as I am unable to communicate with them entirely. Upon reading some reviews and how horrid they have done likewise consumers I decided to act immediately. I requested a payoff statement, when I received it, it stated I was late on a payment which is not accurate. I pay the same time same way each and every month so I knew there was no way to have done so. I tried to contact them, again no success. XXXX XXXX I logged on as usual to make my payment, the welcome page generated and I clicked the online payment link but rather than being redirected to the appropriate page a message came and said unavailable to you at this time please contact them at the listed phone number between specific hours. So I have been attempting to contact them since again no success. I have never received any mail, notice, email, or phone call of any issue. Since I was unable to pay online I submitted a check through bill pay from my bank instead. 
Yesterday XXXX/XXXX/XXXX I received a letter that states I am in preforeclosure for being behind in pay. I got on my credit monitor and saw the months in which they note I was delinquent or did not pay ... all months have been paid. I have receipts to show such to be true. I never had an issue or knew of a potential for issue until I was not able to log into my account as usual. I disputed the information with the credit bureaus but no change has been made. I have documentation that I have sufficient income to be loaned to, that I have always paid payments and on time, and that I in fact have sufficient enough income to purchase another home as desired however with the havoc on my credit this is causing my credit score is quickly diminishing ... from high 700 's to low 600 's today. 
I need this fixed and resolved and to be able to refinance with another lender asap. I am at a loss and do n't know what else or at all to do.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company has two charge offs on my reports for accounts that were never authorized by me. I have disputed them as well as contacted the credit companies directly. I did not sign up for any credit cards nor did I use them. After reviewing the update report I also notice 9 inquires that I did not authorize. 

1. XXXX XXXX Unverified Account/ FRAUDULENT 2. XXXX XXXX ( XXXX XXXX ) Unverified Account/ FRAUDULENT UNAUTHORIZED INQUIRES 1. XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX  XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX /XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have told Kays Jewlery to stop calling me since XX/XX/2016. I spoke to XXXX and specifically told her to stop calling me and I will be documenting each call after that and have filled note pads worth of calls. She also threatened to garnish my wages at my new job. She was very intrusive and has not stopped calling. I go through about 15 calls a day. I am in the middle of my debt being paid off through jewelry insurance from my jewelry being stolen but she will not back off me at all and threatening to take my paychecks is the final straw with her.

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 08-12-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!

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 06/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: After responding to a voice message fro m Citibank, I c alled the number on back of my card and learned that a balance in the amount of {$99.00} was 60 days past due, along with multiple late fees. I asked how this was possible as we have n't used the card in months. They explained that  XXXX   XXXX  had auto-debited our account and that the balance of the {$160.00} owed represented late fees. My wife and I are 1000 % certain that we never signed up for paperless statements, which had we received this could have been avoided. Today I received an invoice showing the {$160.00} balance owed. To be safe, I called to confirm that there was no balance due and that there was a {$37.00} credit for  XXXX  of the late fees. I asked them to add to the credit the {$43.00} of cash back rewards earned. The manager on the other end of the line,  XXXX   XXXX  ID #  XXXX  ) said the account is closed and that there is no way of crediting the cash back balance. She further said they can not notify the credit bureaus that the late notice was an error because it was not an error, we made the payment late. Disappointing that our 16 year history of timely payments to this company ended like this. I suspect that because the account was dormant 12 months, the statements were defaulted to paperless to save on the costs associated with paper statements. We also have  a Costo Citibank card that we will close. There must be a better way to protect consumers from these unscrupulous tactics to generate late fees and avoid making good on earned cash back rewards ( at the time of account closing, we were not notified of forfeiture of this reward balance ).

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