milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/14/2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX, I sold my home in a short sale. The XXXX mortgage was through XXXX XXXX XXXX. The house sold, and XXXX released the lien. However, Nationstar picked up the XXXX mortgage shortly after the house sold. They came after me in XXXX, and at that point I spent a great deal of time collecting paperwork and sending them information showing the debt had been cancelled through the short sale. I received a letter from Nationstar in XXXX of XXXX saying that the lien was released prior to the transfer date and that the account was updated and closed. ( They also wrote that they would not report to the credit bureaus. ) I thought we were finished. However, in XXXX, I started to receive certified mail from Nationstar asking for the debt. When I redirected them to their own letter, they stopped sending me mail. However, now I am doing a refinance to save interest on my new house, and my lender cant help me until Nationstar sends me a letter of deletion. Ive been trying to get them to give me a letter of deletion for a month. I get the run around every time I call them, and talk to a new person every time who has no knowledge of my loan. They have lost XXXX of my faxes and XXXX email. They have kept me waiting on hold for 30 minutes at times, only to have the call dropped or to reroute me to where I began. They have never been able to give me a manager or a supervisor. They are always NOT at their desk or on another line. (??? ) I have spent hours ( and I truly mean hours ) of my time trying to talk to someone who can solve my problem, only to end up where I began. To say Im stressed about this is an understatement. Now my husbands car is damaged, and I need to buy a new one, but with my credit damaged by almost XXXX points, I cant try to get a car loan until this is resolved. Please help me. From what I can see online, I am one of many hundreds who have been treated this way. I have spent money on faxes that were never received. I have spent HOURS of my time waiting on hold, scanning, faxing, and emailing them. I am now a XXXX car family because I dont want to get a loan for a new car until my credit goes back up ( and Nationstar is what has damaged my credit ... when they went away in XXXX, my credit was good and we bought our current house. Now I cant even refinance my house until the derogatory information is removed from my credit. ( This is costing me approximately XXXX a month in higher interest fees and higher PMI fees. ) I am also incredibly stressed out and am taking time off work since I am a teacher and cant sit on hold during my business day. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus has not explained and described in detail their fees or attempted to ever assist us in helping our mortgage. Seterus has ruined our lives and credit.

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 Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I am filing this complaint because during my pursuit to get an issue resolved with Experian, they have become unresponsive and non-complaint according to the law. I have been actively and diligently trying to resolve an issue that I have been having with Experian for several months. Specifically, in regards to a dispute for a collection account in which I have no knowledge of, and was never made aware of. In XX/XX/XXXX of this year, I checked my credit report and noticed that there was a collection account. Quite surprised, I immediately drafted a letter ( dispute ) to Experian, explaining to them that I was not aware of the debt, and would need proper verification/validation if indeed this was my debt. A few weeks later, after the investigation was concluded, Experian removed the account from my credit report as expected. About a month or so later, when reviewing my credit report, I noticed that the account had reappeared, with the same details as described above. Once again, I drafted another letter, this time asking why the account had reappeared, the manner in which it was verified, and an explanation as to why I was never notified of the reinsertion. This letter was also sent certified mail to assure that someone from their office received it. It has now been over a month since sending my last letter, and I have yet to receive a response in regards to my original dispute, or an explanation as to why the account reappeared on my credit report. I am frustrated with Experian because I have spent a lot of time drafting letters and money sending them certified, only for my requests to be ignored. This account has negatively impacted my credit rating, making it difficult to obtain certain loans for my family. I am writing this complaint because I feel that Experian has violated my rights as a consumer. I feel like I have exhausted all of my resources, and hope that there is something that your department can do to assist me in resolving this matter. I sincerely appreciate your time, and hope to hear from someone soon!

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FORD MOTOR CREDIT CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My wife and I leased XXXX XXXX XXXX XXXX XXXX from XXXX XXXX of XXXX, XXXX. on XXXX/XXXX/XXXX for {$68000.00} after XXXX rebates and all other incentives from the dealer. The lease was financed by XXXX XXXX XXXX XXXX, XXXX AZ. We also put {$5000.00} cash for down payment. Due to medical financial hardship ( son diagnosed with stage XXXX XXXX in XXXX, XXXX ) we contacted XXXX XXXX to do voluntary early termination and return the vehicle. They agreed without any early termination fee and told us to return the vehicle to the original dealer. After handing over the vehicle on XXXX/XXXX/XXXX, the inspection was done while I waited, once the inspection was all completed. The vehicle return manager made me sign a Vehicle Return Notification ( similar to a contract ) with all the breakdown of mileage, accounting etc. and total Charges of {$31000.00}. ( see attached ). Sometime between XXXX and XXXX, XXXX, XXXX XXXX sold the vehicle in auction for {$51000.00}. In XXXX, XXXX, XXXX started sending us bill for {$11000.00}. I contacted them several times finally, I got someone that could tell me about the sale amount of the vehicle. I requested the receipt of sale, which I got in mail for {$51000.00}, we were not notified about the sale until we requested for. I told XXXX that we made 7 payments all before due date amounting {$6700.00} or more, plus {$5000.00} down which they have record of. And asked them since, they sold the vehicle for {$51000.00} and we only owed the {$31000.00} to refund us the difference. If they took fair market approach, then the vehicle sold for more, and if I kept the vehicle for 39 months I would have paid them {$37000.00} per contract after all wear and tear. After 39 months they would have not got approx. {$64000.00}, what they got now. We had to consult an attorney, after second notice, XXXX replied, stating that, we have to send a check for {$11000.00}. It still shows on my wife 's and my credit report. Please see attached attorneys letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Mortgage (Conventional home mortgage) with FIRST CITIZENS BANCSHARES, INC. (GA).
Issue: Trouble during payment process

Complaint: We financed our home with First Citizens Bank ( then XXXX   XXXX XXXX ) in XXXX. We originally signed a 20 year loan that would balloon every five years. We have been notified of time to renew and completed the process seamlessly until now. I paid my XXXX and XXXX mortgage payment at the local branch XXXX XXXX, GA ) and no one there mentioned that the loan had matured and was time to renew. We also received no letters or other types of correspondence from the bank. It was only after I got a letter in the mail in XXXX that stated we could possibly go to foreclosure that I called the bank to inquire as to why since we haven't missed a payment. I spoke with XXXX XXXX ( the branch manager at XXXX ) on XX/XX/XXXX. I was then told the loan was up for renewal in XXXX. Now in-spite of NOT missing payments and reaching out to the bank myself instead of them to me, we have been sent to the loss mitigation department where they will not guarantee a renewal of the loan. I spoke with XXXX at the XXXX, GA office several times this week ( the most current being yesterday XX/XX/XXXX ). She is the one who informed me of loss mitigation and fwd me an email in regard to what was needed to try to keep our home. It is also reporting to the credit bureaus that we are late on XXXX and XXXX payment. First Citizens really dropped the ball on communication with this and are now threatening to take our home and hurting our credit more in the process. We haven't defaulted in any way other than to not renew on time when we were not even aware it was time to renew. I called again today and spoke with XXXX in the loss mitigation department and she informed me they can't guarantee they will approve us to keep our home or renew the current loan and it's " different now ''. I explained we had no idea about the renewal time and received no information on it. She basically informed me it doesn't matter, it's too late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IN).
Issue: Managing the loan or lease

Complaint: Synchrony Bank closed XXXX of my accounts without my knowledge and authorization. No accounting information was provided.

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 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: FILED A DISPUTE # XXXX. RECEIVED A REPLY FROM EXPERIAN THAT SAID VIRTUALLY NOTHING AND VERY CONFUSING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. ().
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XX/XX/2017

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 02/25/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an existing case number XXXX, but I have more information to add. I made my latest mortgage payment on ditech 's website yesterday ( XX/XX/2017 ) and AGAIN the payment was misapplied to principal instead of to the XX/XX/XXXX due date. I have called them but this HAPPENS EVERY MONTH, regardless of whether I mail a paper check or do a one-time payment online. Please help me stop this cycle from continuing!!!!!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Consumer Loan (Vehicle loan) with SUMMIT FINANCIAL CORP (FL).
Issue: Managing the loan or lease

Complaint: I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XX/XX/XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 08/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Cash Central is sending me collection emails at XXXX XXXX which is against FDCPA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Checking or savings account (CD (Certificate of Deposit)) with BARCLAYS BANK DELAWARE (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with
Barclays market-leading rates. If you have any questions, please call Barclays Customer Care
at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX  gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve this issue

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 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have called XXXX XXXX on multiple occasions about a ridiculous 23.9 % interest rate. I have had a steady income increase and credit increase but every time I ask about an interest rate reduction I 'm told they 're not doing them at this time ( this has been over a two year period. ) They allowed me to get this card when I had barely any credit or income and locked me into a fee that refuses to change even after years. When I call and ask questions, I 've been lied to by representatives telling me I have to have an 800 credit score to get a reduction and another representative hung up on me. This bank needs to be investigated and needs to make some changes. Beyond preying on people through Walmart, they have untrained representatives. Please do not ever get involved with this bank even if you 're down and out. They 're no better than a payday loan. I am saving money to pay them off and closing the account no matter how much it hurts my credit.

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 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 
Now these creditors that were showing on my credit report they were removed but now they are trying to pursue for collections activities. These accounts were opened without my authorization and ALL COLLECTIONS ACCOUNTS must be removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Consumer Loan (Installment loan) with Financial Business and Consumer Solutions. (OR).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I am an XXXX citizen, and I have a complaint relating to Coinbase. 
The problem started when I decided to withdrew my money, XXXX euro. It was on XX/XX/XXXX. I paid a fee of XXXX euro, so I have to receive XXXX euro via XXXX transfer. On XX/XX/XXXX, they put my withdrawal on " Pending '', and I did n't received my money. I asked them information on XX/XX/XXXX, and I received only an helpless computer answer. I wrote again to ask information on XX/XX/XXXX and XX/XX/XXXX, without answers. Today XX/XX/XXXX, I fear I am loosing my money so I 'm searching for help

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: they pulled back the loan and shut down my account without any reason or explanation. after i already purchased vehicle put money down and traded out my old vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Managing the loan or lease

Complaint: Citizens Bank took {$730.00} from my checking account three days after I made a payment of {$850.00} to bring my account current. They claim their credit department called me to get my permission. I received no such call. Their credit department would know that the account was current. They appear to be acting like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported to all three credit bureaus ( Equifax, XXXX and XXXX ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XXXX, Equifax on XXXX and XXXX on XXXX

Company response to consumer: Closed with explanation