milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount.  Nationstar has failed to do either in the past 2 plus years they have been servicing my  loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: cant get my cr 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 04/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: In 2011, I received a refund from XXXX for unsatisfactory services to my credit card. When the refund was placed back to my account ending in XXXX, Capital One charged me back for the money. I would like the money returned to me, as I won my dispute with XXXX and am entitled to it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with DCN Holdings Inc. (MD).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of 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 10/13/2015 about Consumer Loan (Title loan) with Select Management Resources, LLC (NC).
Issue: Charged fees or interest I didn't expect

Complaint: Yes I have been with LOAN MAX for 2 years and I have paid them over {$8000.00}. I have been paying {$630.00} a month for the last 12 mnths and that total 's - {$7600.00}. Now this is just so wrong for this company to treat and do people this way when they are down and need help. I understand that I have signed a contract but at some point this is REALLY BAD BUSINESS AND NEEDS TO BE ADDRESSED!!!!!!!!!!!. I HAVE BANK STATEMENTS THAT WILL SHOW EVERY MONTH WHAT I PAID TO THEM LATE OR NOT IT IS STILL MONEY GIVEN TO THIS SCAM COMPANY. I WILL NOT STOP ADDRESSING THIS COMPANY UNTIL SOMETHING IS DONE THIS IS SO WRONG ON SO MANY LEVELS. PLEASE SOMEONE HELP ME ADDRESS THIS MATTER. LOAN MAX XXXX XXXX SC XXXX XXXX XXXXFRAUD!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX amount {$29000.00} on XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans are double what they were when I started. As well as this, they said I was not able to do the income based repayment. I make so little money compared to what I owe, and what the want monthly is over half of what I make. I do not know how they expect me to pay it, and they wo n't work with me. I told them every time, I want to pay you, but I can not afford what you are asking for. I sent in pay statements to prove to them that I could not make those payments, and they still would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: After the massive cyber attack that released millions of citizens ' personal data to an unknown source due to the Equifax 's neglect and mismanagement of operations for their own personal benefit, I am appalled to see that the Company is stonewalling facing their responsibilities to mitigate damage to the people they have endangered, and that our elected officials are allowing this. 

Equifax announced that they would allow people they placed at risk to place freezes on their account at no charge. BUT, after trying to place the freeze on two different days, I repeatedly received a message : System Currently Unavailable - Error 500. 

This after I entered my social security number as required to place the freeze. The message goes on to list the names of other credit bureaus where freezes can be placed, ( but at a cost to the consumer ). Then it states : " Thank you for giving Equifax the opportunity to assist you, '' when, obviously, they provided no assistance at all in this critical matter. Are they so dumb or intentionally rude? 

Equifax should immediately be ordered to provide freezes for all consumers for all credit agencies at no charge, for as long as required to resolve this issue, using a protected and monitored methodology.. Americans deserve protection from thieves ; not just babble.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: AMEX will not release my membership points despite having earned the membership reward points 1 ) Through the advertised promotion 2 ) Through *other* card accounts held at AMEX despite other accounts having nothing to do with whatever random fraudulent checks AMEX has decide to impose on cardmembers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: In a letter dated XXXX XXXX, 2016 attached in its response to CFPB Case No. : XXXX ( attached to this complaint ), Capital One states, " After reviewing your account, we confirmed that this is a valid debt. '' Since the court judgment in my favor and against Capital One adjudicated the alleged debt it is unclear what the basis is for Capital One 's statement on the validity of the debt. 
In my reply to that dispute, I requested that Capital One provide me any evidence they have of the allegedly " valid debt ''. Since it has been two weeks without any response from Capital One, I am filing this complaint to again request this evidence of a " valid debt ''. 
Again my mailing address is : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Other debt) with The CBE Group, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Learned of collections from checking  XXXX   XXXX  never got mail or phone notifications! I looked up company 's name  CBE Collection  but did n't contact them to settle amount.

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 08/22/2016 about Debt collection (Medical) with Computer Credit, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a statement dated XXXX XXXX, 2016, from XXXX XXXX XXXX. 

The amount was paid in full on XXXX XXXX, 2016. 

I later received a collections notice dated XXXX XXXX from Computer Credit , Inc, for this debt which was paid in full two weeks prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (I do not know) with Clear Debt Solutions, LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector has gotten a list of employees at my job and calling them on their private phone numbers to tell them that he is trying to collect a debt from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Consumer Loan (Installment loan) with SECURITY FINANCE CORP (TX).
Issue: Problems when you are unable to pay

Complaint: This debt collector calls and comes to my home and harasses me at my place of living..

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 04/23/2015 about Bank account or service (Checking account) with BANCORPSOUTH BANK (MS).
Issue: Using a debit or ATM card

Complaint: Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a request to Equifax to freeze my credit both in XXXX XXXX and then again XXXX XXXX per their request to send new documents. I also called in XXXX XXXX, because I had not received the pin and they said they were mailing the pin. I 've never received the pin numbers or confirmation that a pin was in place. I 've already sent all my documents Police report, proof of address, ID, ID Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Payday loan) with National Recovery Solutions, LLC (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: My credit report reflects a history of payments per agreement for ALL debts except for Macy 's. In 2007 I opened a Macy 's account, and at Macy 's recommendation, also opened separate accounts for jewelry and furniture purchases. Over the subsequent year or XXXX Macy 's consistently mis-applied my payments on these accounts, resulting in delinquencies on some and positive balances on others. I tried sending XXXX payment, then XXXX separate payments, but nothing resolved the problem.I had to call Macy 's every month to re-allocate the payments. I finally closed all accounts because of the frustration and because I knew that this would hurt my credit, which it has.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with State Collection Service, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: the state collection report wrong dept collection ( medical ) to my credit history for negative but this is not my dept also for harassment report to XXXX XXXX and all other credit score company!!? this is not correct for 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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Credit reporting agency incorrectly keeps reporting a collection account from XXXX XXXX on my credit report. It shows the balance being updated in XXXX for {$680.00}. I asked for this debt to be verified and because XXXX XXXX has not provided any proof of this debt or verification, it should be removed. Credit reporting agency keeps reporting it as true and on my report although it is not and has not TRUELY verified the actual debt from the debt collector.

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 02-01-2018 about Money transfer, virtual currency, or money service (International money transfer) with PAYPAL HOLDINGS INC. (MI).
Issue: Other transaction problem

Complaint: Hello, I received the following email from Paypal ( I have deleted sensitive information ) : Your buyers bank requested a reversal for the transaction below. 

We are required to return that payment to the bank. When this happens, we take the loss on your behalf if the payment is covered under PayPal Seller Protection.  Unfortunately this payment was not eligible for that, so we have deducted the related amount from your PayPal balance. 

Transaction Details Senders Name : Senders Email : Your Transaction ID : Transaction Date : XXXX XXXX, 2017 Transaction Amount : {$50.00} USD The issue with this, is that this was not a purchase, but a money transfer ( gift ) from my brother, over 5 months ago. My brother 's account received several unauthorized transactions recently, and he alerted Paypal to this. They were unresponsive until his balance turned negative. Now they are asking him to pay it. 

Paypal has deducted money from my sister 's account, and now mine, in an attempt to get this balance back, which I believe is fraudulent. 

Deducting money from my balance for an ongoing dispute unrelated to me from 5 months ago, I believe is violation of trust and privacy ( they are independently tracking my brother 's transaction history without his knowledge or consent, and attempting to penalize others to recover their loss from their own mistake ). I would like to alert you to this practice. 

I should also add, that my brother resides in the XXXX, which has even stricter privacy laws, and I am surprised that they are able to successfully do this. Please let me know if you need further information from me about this transaction. I appreciate your attention to this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The following is always a deciding factor when apply for or requesting increase line of credit. 
" Too Many Serious Derogatory Items '' I filed bankruptcy and was granted 6 years ago XX/XX/2017. There are no other derogatory items listed to be considered too many serious items. My credit report shows a good credit history and excellent payment history.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent XXXX XXXX XXXX a letter XX/XX/XXXX requesting validation of an account listed on my credit report. They signed for this letter XX/XX/XXXX at XXXX XXXX. They never responded to my letter. So on XX/XX/XXXX I sent them another letter that they signed for XX/XX/XXXX at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XX/XX/XXXX stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal XX/XX/XXXX and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today XX/XX/XXXX they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation