milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please assist, my husband and I are over XXXX years old and feel that we 've done all we can do fix this issue with no results with Nation Star MY house loan was sold from XXXX XXXX XXXX ( XXXX ) Account # XXXX to Nation Star ( NS ) XXXX in XXXX XXXX. From the beginning there was an issue with an unpaid fee of {$120.00} for missing days on the property without insurance with XXXX we were disputing. When I heard the loan was been sold to Nation Star I decided to pay this amount in full with the last payment made in XXXX to XXXX to avoid any further problems. 

In XXXX we started making payments to NS as specified on the monthly bank statement. Then the first month we started getting calls and letters that we owe additional escrow balance to NS. They claimed the amount of {$120.00} had not been paid and we needed to pay this amount and late fees right away. 

I spent many hours on phone calls in XXXX, XXXX, and XXXX XXXX trying to fix this issues. XXXX months down the road, Nation Star was not finding the money, they kept arguing that the money had been paid. At the end of XXXX I called NS again and a gal by the name of XXXX was able to help out. We spend about XXXX - XXXX hours on the phone in which we call XXXX and they told us that all the funds had transferred to Nation Star. XXXX searched this money and found out that the funds had transferred to Nation Star and that our account needed to be fixed and credited all the extra fees NS had charged to my account. 

This gal try to fix the problem and told me she would credit all the late fees. Two, three months, later the issue was not fix. I would get on the phone and had to explain all the issues again, the reps would argue with me and tell me that the fees had not been paid until I would tell them to read the notes. Then they would say " the system will give you the credit ''. I have called many times for two years and they continue to tell me the same thing. Every time I call I 'm having to explain the whole scenario to the Reps and tell them to read the notes because they argue that the fees are still outstanding and we still owe the money and late fees. 

It is now XXXX XXXX, two years later and the issue with all the late fees has not been solved. The fees have gone up to {$500.00} + and I 'm sure with interest. This is creating a lot of stress in my life. At my age, I do n't need this kind of stress. I do n't want to spend more time on the phone with Nation Star because I do n't think anything will get fixed. I 've called them sent them letters, sent emails on their website and there has been no response. 

I 'm coming to you in hope that you can help me address this issue with Nation Star. I need the fees to be reduced, the interest charged to be restored, and my any wrongful or derogatory information on my credit to be restore. 

I can be reach at XXXXXXXXXXXX or XXXX XXXX Thank you , XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Capital one cancelled both my cards without telling me. I therefore lost rewards points. Only one card should of been canceled due to fraud purchase yet they did both without notification and I still have n't gotten my card or rather cards yet. I need them ASAP for travel and they wo n't even overnight them. It is rather funny how if I mess up I am charged fees etc yet they screw up and it 's well ok. Nice to be elite. I guess so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I was never late on my payement with my capitale one credit report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Checking or savings account (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Attempted to close USAA Federal Savings Bank XXXX account on XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX. Both times USAA refused unless I allowed it to send a coded text to a cell phone. I do not take such texts. USAA refuses to close the account no matter how much it verifies my identity. After hanging up the phone today, USAA then changed the security codes on my account, making it very difficult to log in to the account as retaliation, and removed the ability to log on with a pin, which I had up until that phone call ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Received an offer from american express XXXX card for adding up to four authorized users and receive XXXX points after XXXX spend for each card. Completed the required spending on both card but only got bonus points for the first card. Contacted the customer support but they ca n't help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2016 about Mortgage (Conventional fixed mortgage) with Core Advisory Group, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our house was going to be sold at a foreclosure auction. The deception was a XXXX violation. This form is actually a " resubmittal '' from a previous submission. I was advised to factor in all of the monies I am out related to this. My husband and I hired the Core Advisory Group, we paid {$1900.00} up front plus a {$160.00} notary fee separately to US Signings who happens to be the same owner of Core Advisory Group, XXXX XXXX so he milked us on top of the regular fees to add his separate notary fees. In addition to these fees, we also paid {$68.00} for documents to be sent same day to three different entities ( {$22.00} XXXX ), {$150.00} to a paralegal to draw up paperwork for a bankruptcy petition, and {$77.00} for the filing of this petition. There was no mention of additional fees for sending mail and filing a bankruptcy petition ( we were blindsided by this ) and the fee for the paralegal was also deceptive to my understanding as we filed under pro se status. We were given legal advice and instructed to file a chapter XXXX by this paralegal when only a licensed attorney is allow to provide legal advice so that is another violation to the bankruptcy code of conduct. The bulk of the money was paid via check although the paralegal requested I put money directly into her account ( which was actually her daughter 's account because the bank she uses " does not have a branch in your area '' ) and the bankruptcy court would only accept a cashier 's check or money order as payment. The fee for mailing the documents was paid via debit card at the USPS station. This company does not follow the laws & regulations and uses deceptive marketing and sales tactics to lure people like us in. If necessary I have all receipts or documentation for money paid if needed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2016 I discovered that I was a victim of Identity Theft and filed an Identity Theft Affidavit with the FTC.gov. I gathered my credit reports, ID documents, Police Report, Affidavit and sent them along with a letter indicating that I was the victim of Identity theft to Equifax , XXXX and XXXX. I have NOT receive a response from Equifax or XXXX and the fraudulent accounts and information remain on my credit report. XXXX has removed ALL of the fraudulent information from my report. Equifax has been known in the pas to deny the blocking of Identity Theft information from consumers reports in the past and has had to pay an Oregon woman XXXX dollars in a law suit that Equifax lost for failing to comply with federal law and removing identity theft information from a consumers report. I will be filing a lawsuit against Equifax and XXXX for failing to comply with Federal Laws particularly the FCRA Sec. 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.

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 11-11-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a dispute to ChexSystems a little over a month ago. I called this evening and they have no record of it. Needless to say, I am not to pleased right now. Attached is the information that they sent me and I disputed everything. Also attached is the letter that I sent out to them today with notice that I will be filing suit if the information was not removed from my report 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 06-03-2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name XXXX XXXX was enrolled in the XXXX in XXXX XXXX located on XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I XXXX in 2014 however, after the XXXX they told me apart of the program completion, they would be helping me with training, assistance with studying for the test XXXX and XXXX assistance. This was apart of my tuition agreement and program for this institution. I agreed to pay XXXX loans XXXX XXXX and Genesis Lending ( a private loan given by the school ) because of the promises given that I would be assisted through out until I find work. Unfortunately, all these promises during and after graduation was not met because the school was forced to close. According to a recent article " Accused of misleading students and falsifying records, XXXX of Florida 's -- and the nation 's -- largest private, for-profit college chains is being forced to sell campuses or close its doors. '' I am a student who has suffered from this malpractice and now owes XXXX loans, with no job. I made faithful payments to Genesis Lending and I would like to be refunded the money. I have called the Florida Department of Education. 

Read more here : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Struggling to pay mortgage

Complaint: Dear Sir or Madam : I am writing because I am trying to set up a XXXX Loan Modification. I believe the program is called " Flex Mod. '' I learned on this by researching on the XXXX Website. I am currently in Chapter XXXX ( I have only 7months left ). I had fallen behind on my mortgage. I am currently unemployed. I lost my job in XXXX. 

My mortgage company is Mr. Cooper ( formerly Nationstar ). My Loan # is : XXXX. I made a payment on XX/XX/XXXX for {$2200.00}. Because I am in bankruptcy, my Attorney had to sign a consent for me to correspond with them, which I did. I have not made a payment since because I am unemployed. I called Mr. Cooper on XX/XX/XXXX to tell them that I was unemployed and I would like an application for a modification or other options. I waited up until XX/XX/XXXX for the application, to no avail. I called again on XX/XX/XXXX. I was transferred 3 times and on hold for 20 minutes, which did nothing. I called again on XX/XX/XXXX at XXXX XXXX. I was told that I did not have to fill out anything and that they would hae something for me by the end of the week. It is now XX/XX/XXXX. I have not received anything, or a phone call. 

I believe that I am getting the run around. My plan was to make a payment once I receive unemployment benefits. It has been 5 weeks since I applied for unemployment. I need a solution to my problem and help, but they are not working with me. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Trans Union is reporting an account on my credit report that i no longer owe the original company is XXXX and it was sold to XXXX XXXX and all debts are now clear with XXXX XXXX. I have included letters from both companies stating so.

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 05-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Auto) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Collection Services is contacting me regarding debt for XXXX XXXX XXXX. I have never had XXXX XXXX of any kind, and have had the same insurance for the last 5 years, which is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with John C. Heath, Attorney at Law, PLLC (MD).
Issue: Fraud or scam

Complaint: I was wit h Lexington Law sinc e  XXXX . When I sign up for the services I put another credit card which is expired on file. Now I been with this company since  XXXX  the man told me it would  be a one ti me fee of  XXXX  dollars that they would authorized from to take. They took my money my credit report still look the same. When I called this morning to resolve the issues but instead I got a rude lady saying they do n't give out refund so thats on me. When I told the lady that I did n't authorized the transaction she proceeded to still be rude. So then I asked what kind of company that do auto pay do n't give confirmation numbers she said us when I asked for a supervisor I had to wait 1hour for the lady to come back on there saying no supervisor and do n't call back no more. I think its not right. I 'm a single mother of  XXXX  trying to maintain all I want is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Making/receiving payments, sending money

Complaint: I hope you can help me and other retired individuals get to the bottom of this. I applied for a part time job as a mystery shopper as I have just gotten social security and it is n't enough to cover my bills. I received an over night package XX/XX/XXXX while I was out of town visiting my son who had just found out that he had a XXXX. My neighbor opened the package for me and saw it was a check for {$2900.00} and it was my first assignment as a mystery shopper. I was to go to the bank and cash the check or deposit the check and take {$400.00} for myself and go into a XXXX and wire money to another mystery shopper to determine their level of service. When I got back in town on XXXX XXXX, I did as the letter and went to my local Wells Fargo and asked the teller, XXXX XXXX, a personal banker if the check was good and he said not today but I can deposit it for you and it could be in the next few days. So I told him that I agreed with that, not knowing what else to do. Then the next day I look at my deposits which consisted of XXXX checks and {$600.00} in cash and none of it was in my bank. I went down to see XXXX to ask what happened and after much computer and phone investigation he found out that all my accounts were locked and were being closed. When I asked why, he said that the check that I deposited was a counterfeit check. I asked what that was and he explained that the account that the check was written from did n't exist. I said I had never heard of such a thing, either a check is good or bad. He was the one who told me to deposit the check and now all my money is frozen and my social security check gets deposited into those accounts and it is only {$1100.00} per money but it is all I have coming in. They are in the process of closing my accounts and will mail me a check they say in the next two weeks for with the money in my accounts but I have nothing to live on and I will not be able to get social security check next week. I think it is terrible that Wells Fargo is blaming me, the XXXX who got duped even though I brought them all the proof of this scam and XXXX is even backing up my details of the incident but Wells Fargo 's fraud department does n't care. 




Can you please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with Riverwalk Financial Corporation (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2017 Deville MGMT reported a debt on my credit report in the amount of {$2400.00} and stating the original creditor was XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/24/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: BANK OR AMERICA IS REPORTING ME ON XXXX XXXX XXXX XXXX AS ATTEMPTING TO TRASACT AN ACCOUNT IN AN UNAUTHORIZED OR PROHIBITED MANOR SPOKE WITH XXXX SAID I OWE XXXX AND SENT ME A LETTER SAYING SHE COULD N'T HELP ME AND I CA N'T REOPEN A BANK ACCOUNT KNOW WHERE. I CALL THERE RECOVERY NUMBER SPOKE WITH XXXX  AND SHE SAID I DO N'T OWE ANY MONEY THE BALANCE WAS ADDED TO MY BANKRUPTCY. I ASK IT I CAN GET A LETTER SHOWING I DO N'T OWE NO FEE 'S IN IT WAS ADDED TO MY BANKRUPTCY SO I CAN CLEAR MY NAME WITH XXXX XXXX AND OPEN A BANK ACCOUNT I WAS TOLD NO. I FEEL BECAUSE I FILED BANKRUPTCY BANK OF AMERICA IS BLACK BALLING ME FROM OPENING AN ACCOUNT WITH ANY BANK ... PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to retrieve my free credit report as I believe I have been a victim of Identity Theft, since the security questions I was asked did not correspond to my life.

Company response to consumer: Closed with explanation