milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They continue to call about a {$790.00} bill that I 'm unaware of. In XXXX I was still a kid, how could I have an open cell phone account?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2018 about Payday loan, title loan, or personal loan (Installment loan) with MARINER FINANCE, LLC (IL).
Issue: Struggling to pay your loan

Complaint: Re : Personal Finance Company I'm currently having hardship and I can not make regular payments for this creditor. I requested not to be contact at work. Person from this company has been harassing me at work, I'm not allowed to take personal phone calls at work. I requested this person not to call me at work and he still does.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was stolen when Equifax was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Transaction issue

Complaint: XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar has continually proffered incorrect and changing amounts as relates to interest due and interest rates and effective dates for interest rates associated with my former mortgage with SERVICER Nationstar. Even though I have requested that Nationstar address these issues, Nationstar has failed to adequately, reasonably and truthfully provide simplistic answers, in both written statements and mathematical statements. Nationstar has mistakenly or fraudulently sent billing statements to me showing totally incorrect interest amounts owed. These interest rate and interest amount errors have contributed to Nationstar providing me with an incorrect XXXX for the year of 2016, that Nationstar is unable to explain by the use of relevant mathematical equations.

<P/>
Even though Nationstar was only the SERVICER for XXXX XXXX Trustee, Nationstar has refused to supply me with any written statement that Nationstar no longer has any financial interest in my former property, even though I have a XXXX $ $ mortgage balance with Nationstar.

<P/>
Nationstar has fraudulently refused to refund to me the {$1400.00} in my favor returned insurance premium refund, that Nationstar deposited to my XXXX $ $ balance escrow account with Nationstar and showed in their Nationstar report listing that the {$1400.00} was owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I'am writing to request correction of the error described below in regard to the mortgage on my property at XXXX NY XXXX. My servicer was changed without my knowledge, I never received information regarding the change. My payments with my previous servicer was auth drafted monthly from my bank account never any late or delinquencies. I noticed my payment had not come out of my account and I contacted my previous servicer XXXX who informed me my loan was transferred to another servicer and I should wait to receive documentation in the mail. 2 weeks pasted and still no documentation. I again reached out to XXXX end of XXXX to inform them of this and was assured I would not be penalized in way because it takes up to 60 days of the change and I was given the contact number for loan care who I contacted and was told I would receive a package in the mail not to worry they did not have a loan number on file for me because the transfer was still in effect. I finally am able to make payment for XXXX and at that time I set up auto draft from my account. Effective XX/XX/2016 I receive notice the my credit score has dropped more than 80 points and its being reported to the agencies that I am 30 days past due on my mortgage, which I have never been delinquent in any of my credit accounts ever. I made every effort to arrange my payments accordingly and should not be held responsible for the lack of organization and professionalism from the loan servicers to make the needed transfer. My livelihood depends on my credit according to CFPB website consumers are not to penalized for such change when I made my payments on time all to be deducted electronically. I also reached out to my new servicer who was not in any way shape or form helpful with this issue. Your assistance in this matter is greatly appreciated. 
Please note that this is not a complete list of all possible errors, such as errors regarding your servicer 's failure to provide accurate information. 

Thank You, 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 03/25/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding several issues with the mortgage account with Wells Fargo, whom I have had the worst experience of dealing with for any type of resolution. There are many areas, but the most egregious action that Wells Fargo has been co-mingling funds from my mortgage account to pay the balance for an escrow amount ( My mortgage account is escrow impounded ) and reporting that I 'm underpaying my mortgage payment amount, and reporting to credit bureaus that I 'm late on my payments. This has ruined my credit report with negative items of late payment when the payments from my checking account cleared well ahead of delinquent date. This would have to considered a financial fraud to co-mingle funds when my payment is strictly principal & interest. This bank has been playing " Judge & Jury '' in regards to this escrow amount when they decided that there was a lapse in coverage and no 3rd party independent of both sides could say, " Yes, the lapse in coverage is legitimate. '' Regardless, of whether it is legitimate, the co-mingling of funds, reporting late to bureaus, tacking on late fees, and manipulation of payments showing inaccurate principal balance is beyond one 's imagination..

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 12/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: credit report agency is not reporting positive credit that i have had since XXXX from dollar bank also i have been to XXXX XXXX and XXXX banks and no one can see or obtain a credit score what was mailed to me from transunion was a fair score but inaccurate it should be slightly higher if positive credit was being reported then in return i could refinance my home and purchase a new car in that order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Payday loan () with PAYPAL HOLDINGS INC. (IN).
Issue: Received a loan I didn't apply for

Complaint: I was tricked into signing up for Pay Pal credit when I just wanted to buy something using Pay Pal I want to just payoff and close account but I want them to remove the inquiry from my credit report and I cant payoff the charge since the charge is still " pending ''. I just want to pay-off and close account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a XXXX XXXX XXXX with the loan company ally financial in 2014. Not soon after I got XXXX and XXXX XXXX in the XXXX XXXX XXXX as a XXXX XXXX. I lost my job and had no way of paying it back so they repossessed it and sold it again and left me with a bill of {$14000.00}!!! When I bought the car it was only valued at about {$20000.00}!!! I feel they took advantage of a XXXX man that had a family to feed and now are trying to destroy my life so I cant even get a cheap car financed now.

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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did 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 04/13/2017 about Debt collection (Credit card) with Gatestone & Co. International Inc. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with Nationwide Credit Corporation (WV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Tried to contact me numerous times. Over the phone in which I have asked to verify the original creditor had updated the amount owed to show correct amount, I had also asked for a written confirmation letter of amount owed so i could pay. Which as of  XXXX  they said they had finally sent but I have not received. When I said I need this I was told they are going to contact  XXXX   county s aying i refuse to pay which was incorrect. I am trying to get confirmation on amount owed with their fee. They have been abusive with harassing calls.

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 01-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Fraudulent activity on my account in XXXX of XXXX. 

I notified my bank and started a claim ( Claim XXXX ) Bank of America froze / canceled my debit card, took them a month to send me a new card due to some issue in their system, which is another source of frustration from this process. 

The total charges that I was able to identify as purchases I did not make only totaled slightly over {$100.00} before it was caught and my account was frozen. So the issue was more so that someone else was charging my account rather than the dollar amount. 

Bank of America issued me credit back for these charges and aside from several phone calls to resolve why I had n't received my card I did n't have any reason to follow up on the fraudulent charges, I figured the bank was doing this. 

XXXX XXXX, XXXX the charges were placed back on my account by bank of america stating that they did not match fraud patterns? 

I know for a fact that I was not in the various cities these charges took place in ( over an extended period of time, so no chance of charges being mislabeled due to any delay posting to my account ) Additionally, there were several charges from a laundry mat. I have never even been into a laundry mat in my entire life. 

I spent a total of 2 and a half hours on the phone today ( XXXX/XXXX/XXXX ) trying to even get in touch with the bank and a possible resolution. The bank appears to be intentionally red taping the situation by asking for unrealistic and uncessary documentation. 

Bank of America has stated that I would have to fax in a statement. I told them I do n't have a fax machine and asked if there was any other way to have them re visit my claim since I 'm 100 % positive those charges where not mine and they told me no, so I 'm reaching out to the CFPB as I do n't feel this was properly handled let alone resolved.

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 05-10-2016 about Mortgage (Other mortgage) with Multi-Financial Services, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?

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
Consumer complaint received 07/25/2016 about Mortgage (FHA mortgage) with BOK FINANCIAL CORP (NM).
Issue: Loan modification,collection,foreclosure

Complaint: I have previously submitted to CFPB a claim against Bank of Oklahoma and Bank of Albuquerque. I have been trying to get a loan modification on my current residence that is almost {$20000.00} upside down in value. After almost 3 years I am still no further in working with both the bank and the attorney 's involved. I am wishing to stay in my home and also the Bank sent a letter stating our home would be taken over by HUD and to submit a packet to HUD for renting the property if it came down to that. I sent a packet to the address given and the packet was sent pack to me as undeliverable. I am again contacting the CFPB because I am still getting no answers to my questions and no closer to a refinance. The stress of this situation has caused many problems and I would like to just pay our mortgage and move forward. Please help me resolve this issue. 

XXXX XXXX ( XXXX Loan Name )

Company response to consumer: Closed with explanation