milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: My issue is with Nationstar Mortgage,  XXXX   XXXX   XXXX  : P.O.  XXXX   XXXX ,  XXXX , TX  XXXX  On or around  XXXX    XXXX  , the issue began. I have been charged other fees regardless of how much I try to obtain information from them explaining why. Ever since this date, I received calls stating that I am behind on my payment. I am not behind. I paid them on the first of  XXXX    XXXX   and the  XXXX  of  XXXX    XXXX   ( this payment was to meet the due date of  XXXX   XXXX    XXXX   ).     They seem to continue to charge me fees and continue to state that I am late. However, they have yet to provide a full accounting of all payments, fees and charges so that I may validate their statements. From my perspective, I am not late and have made every single payment and timely ( all payments made before the  XXXX  of every month ).     I have even had  XXXX  on the phone to explain to them all the payments that were sent, but they are not willing to provide information explaining their position, other than to say that I am still late.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account has been paid by XXXX XXXX XXXX XXXX listed on website and my account Number says I have XXXX 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
Consumer complaint received 03-07-2016 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Debt collection (Auto) with Recovery One, LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a voicemail from the above mentioned company on XXXX/XXXX/2016 @ XXXX requesting I recontact the caller about a merchant, XXXX. After calling the number provided I only learned they were a debt collector as this was their first attempt at communication. I believe the licensee violated XXXX XXXX XXXX ( XXXX XXXX as their initial communication ( voicemail ) failed to indicate their company name, status as a debt collector, and that they are attempting to collect a debt in the voicemail message.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Prepaid card (Gift or merchant card) with U.S. BANCORP (CA).
Issue: Fraud or scam

Complaint: Re-opening of case # XXXX*Update*I was told by US Bank that I would have a resolution on this issue by XXXX/XXXX/15. Today is XXXX/XXXX/15 and they still have no answer. I initially figured since they took my case early on and processed it and gave me a deadline they would meet, that I would n't have to worry about it. Obviously I was fooled. I am now continuing the complaint. Please call my cell phone if you need further verification or clarity on this issue. 


I purchased a {$500.00} XXXX Gift Card from XXXX 's that was issued by US Bank. The moment I opened it up, I realized something was wrong with the packaging. I tried to use it and was not able to. I realized the card was already compromised, so I called US Bank ( card issuer ) immediately to shut down the card. They confirmed with me over the phone that the card was shut down and I just had to fax in the paperwork for the card replacement. That was on XXXX/XXXX/15. I faxed in the paperwork a ( XXXX ) few days later for the card replacement. Fast forward to today XXXX/XXXX/15. I called in to check on the status of the card replacement, I received a response from them saying they could not replace the card because funds were used. Now how did this happen on a shut down card is beyond me. Either the rep lied to me and told me she did shut it down on the spot, or she never did it to begin with. Either way, both scenarios demonstrate the incompetency levels of US Bank service reps. Now, instead of waiting for a card replacement, I now have to file a fraud report because the genius of a US Bank service rep did not do her job. Also, this genius rep did not put in any notes on the account either, so when other reps looked at the account, they saw nothing of the shutdown ( or so I 'm told ). I 'm expecting this to take another XXXX months to get resolved ( if at all ) courtesy of incompetent service reps.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a hard inquiry on my account that is not mine. XXXX XXXX XXXX has acknowledged that the account was not mine and they removed the account from my credit report, however Transunion will not remove the inquiry that goes along with the account that has been removed. I called and spoke with a supervisor who told me that the inquiry was correct, even though I have a letter from XXXX Bank stating that the account is not mine and that they have removed the account from my credit report. I have attached the letter for proof. I want this hard inquiry removed from my credit report.

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 07/31/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: We requested a payoff from OCWEN LOAN SERVICING LLC back in early XXXX, to payoff our mortgage, due to hearing from there collection department our mortgage is delinquent even with a payment received for XXXX. 
OCWEN informed us they do n't accept payoff request by phone, only mail or email. I explained to them we receiced a collection call for our XXXX 's payment and do n't know why because we made a payment and you cashed our check. That 's when I learned our mortgage needed to be paid in full come XXXX. 
We never received the payoff letter from them and again emailed them in late XXXX. They returned our cashed mortage payments to us for XXXX and XXXX and we still did n't receive any payoff information. 
They failed to even let us know this mortgage had to be paid in full in XXXX. We had no knowledge until last minute! We finally received a payoff figure and paid the loan in XXXX. Ocwen did send us a letter stating they would not reflect it as a late paymnent but then reported our mortgage delinquent for 251 days on our credit report. 
Our credit scores dropped to below XXXX creating an issue to obtain new employment. We, for 10 years, had always continued to pay our mortgage until the payoff was made in XXXX. We were never late and explained to them that they have cashed our payments up to the closing of XXXX. I also informed them we should have receiced at least 90 days notice prior to XXXX to inform us that this mortage had to be paid. They sent us below, the letter to me, that were n't reporting it late. But today its reflects late on all XXXX credit reports. They did send a letter stating it would n't be reported late because it was there failure to let us know and no delinquents would be reported. They have n't made any corrections. Today, we ca n't pass background checks for employment because of there errors.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.

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 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 11-03-2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.

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 03/16/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I fell late on some payments with Wells Fargo mortgage back when I got hurt at work. I was told I would be put in a program to make my account current and not show negative on my credit reports

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 03-04-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: American Medical Collection Agency has called me at least 10 times a day, after I specifically asked them not do. They were very rude on the phone. This is regarding a {$92.00} debt from XXXX, that is incorrect. I told them that my insurance was not billed correctly ( they billed XXXX instead of XXXX insurances ) and that I was working on it with XXXX and thus was not going to pay it until the proper insurance went through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX is reporting loans that are older that 7 years old and it is messing with my credit balances. When  I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was charged for XXXX work that I did not receive and that did not meet the standards of the XXXX Board of  the State of Texas. Further I was overcharged for the shoddy work by a factor of 200 %. The XXXX threatened to report me to credit agencies unless I paid the bogus charge or gave her my auto. she reporte me to a collection agency and I submitted a large amount of information twice to the collection agency ( which she hired ). The collection agency found me in arrears and demanded that I pay them the amount due. I subsequently went to the XXXX board of the State of Texas with a formal complaint. They asked for additional information twice and then brought the XXXX before the Board. The Board found the XXXX to be at fault and reprimanded her along with stipulations and a fine as well as attorney fees and costs. This did not ease my derogatory credit remark on the bogus claim.

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 02/24/2017 about Debt collection (Medical) with AmeriCollect (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

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 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: credit bureau is consistently reporting the wrong personal information. I have faxed over ss card, ID, bills, etc to get information corrected nonetheless they are continuing to report incorrect information. The incorrect reporting is hindering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Debt collection (Other debt) with U.S. BANCORP (ID).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Got a call about a debt 14 years old from an old overdrafted account that was from US bank and US bank has no record of it. This has been going on for a week or so now it is now XX/XX/XXXX, their first call threatened to call my HR at work. He tried saying that because the bank is FDIC insured that that circumvents the 7 year statute of limitations. Again US Bank has no record of any of this at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: 3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.

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 02-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.

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