milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2016 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for a forebearance with my loan servicer Nelnet. I was granted the forebearance from XX/XX/XXXX- XX/XX/XXXX. I was granted an Administrative forebearance for XX/XX/XXXX-XX/XX/XXXX. My accounts show no past due payments. My accounts have been in forbearance off and on a few years. Nelnet is reporting my student loans as 90 days past due in XXXX XXXX and 120 days past due in XXXX XXXX. They are refusing to update my credit report despite granting a forbearance. They are refusing to provide written documentation on company letter head stating my accounts were in forbearance from XX/XX/XXXX- XX/XX/XXXX. They have provided documentation for XX/XX/XXXX- XX/XX/XXXX verifying my accounts are in forbearance. I 've repeatedly asked for this document. I was sent conformation in the form of an email directly from their company email address. They are denying their employee sent this, even after offering to provide proof. They will agree to verbally tell any lenders that my accounts were in forbearance during the months of XX/XX/XXXX- XX/XX/XXXX with my permission. Their verbal conformation does not fix the adverse effect that their false reporting is having on my credit score. This has caused request for credit, mortgage loans, and auto loans to be denied or calculated at a signifigantly higher interest rate. They have verified this false reporting when disputed with XXXX, XXXX, and XXXX. This is against the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (RI).
Issue: Problems when you are unable to pay

Complaint: My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. 
In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Payday loan) with Essential Retrieval Group (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is a collection agency that calls the numbers of family members and friends XXXX though my phone number has been the same since XX/XX/XXXX XXXX threatening legal action for a payday loan that was included on a Chapter XXXX bankruptcy in the State of Nevada, and discharged on XX/XX/XXXX. The original creditor is XXXX, but their XXXX was different - can not recall. Once contact has been made on my part giving the bankruptcy information, the old debt is then sold to another company. I suspect that it 's the same company each time, but that they provide a different name. The calls start every XXXX to 4 months. Please assist in putting a stop to this. The debt was included and discharged in my Chapter XXXX bankruptcy. The creditor is aware and was notified back in XX/XX/XXXX. They are completely disregarding this fact. Also, I suspect it is the same company because they always ask for my name in reversed order. " XXXX XXXX '', instead of " XXXX XXXX ''. My attorney 's office provided me with the XXXX 's XXXX link to file this complaint. Their office suspects that these collection companies purchased information from my bankruptcy and are illegally trying to collect on their own behalf, using methods like calling people I am related to, to try and collect funds. 

The collector, " XXXX '' once again took my bankruptcy information today, but would not give me their mailing address or any contact information so that I can contact their client/original creditor. They said it was my problem to find out any additional information relating to this debt and hung up. 

The problem with these agencies is that if they find that they ca n't get money from you, even with protections set forth by bankruptcy, they will wait a short while, and then seek out relatives or past relatives XXXX in my case, ex in-laws ) to try and scare them ( and embarrass me XXXX into paying on my behalf or contacting me to pay. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (FHA mortgage) with Selene Finance LP (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and on XXXX XXXX, XXXX I was injured on the job. Since XXXX XXXX, XXXX I have not been working and only receive workers compensation checks of {$330.00}. My workers compensation lawyer, XXXX XXXX XXXX has sent XXXX XXXX a letter explaining my financial situation and my income. I have lost my vehicle, home furnishings and anything I had of value to try to pay my mortgage. 
On XXXX XXXX, XXXX I made a payment of {$810.00} to a Representative named XXXX my confirmation number was XXXX. I have been watching my checking account daily for this to come out of my account as I live day to day and keep a very close eye on every penny. Today I called and spoke with XXXX and asked about the payment I made on XXXX/XXXX/XXXX, she said that it had been deleted. Much to my surprise I asked why and she could not give me an answer. I asked if I could please make that payment again and to please note my account that I had made the payment on XXXX/XXXX/XXXX. 
I suspect that the payment was deleted because when I first tried to make the payment on XXXX, I spoke with XXXX and he would not accept my payment because it was only a XXXX month payment and he said that per their policy he needed me to pay two months. I told him that I couldnt pay two months as I cant forsee if I will have {$810.00} by the end of the month. I tried explaining to him numerous times that I am due a settlement here very soon and plan on bringing the account up to date. I asked to speak with a supervisor and while on hold I hung up and decided to call back and speak with someone else. When I called back and spoke with XXXX she immediately took my payment without a problem. 

This company calls me at least XXXX times a day. I block the number and they call from a different number. They send people to my house taking pictures and leave notices on my door. I have confirmed that I still live in this house and to not come back on the property and not to be taking pictures, however, they still do it on a monthly basis. Just a few days ago the man who came out here was armed with a weapon on his hip. I told him not to come back on my property. We have received up to XXXX letters a day from them. It 's ridiculous. 
I am paying Selene a payment every month, they will not take partial payments, or anything. I have explained over and over my situation. I dont like being behind on payments, and I have only 2-3 more weeks to go and everything will be fine again. I just want them to take my payments and stop harassing me. Besides a letter from my lawyer and me telling them what has happen to me I dont know what else to do. 

Thank you for taking the time to read my problemXXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Due to difficulty obtaining my Experian credit report, I filed complaint XXXX and received a copy. At the end of the report under social security number an incorrect social security number is list with the last XXXX numbers XXXX. My last XXXX numbers are XXXX so the listed social security number is not mine and should not be discussed in my credit report. During the past two years I have had a mistaken identity issue which is documented in a series of complaints that I recently filed with CFPB. The mistaken social security number gets reported to the credit reporting agencies along with the erroneous information such as collection actions that I have previously documented and had removed. As a result of these complaints, the mistaken identity name and social security number have been removed from my other XXXX credit reports. It needs to be removed from the Experian 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 Debt collection (I do not know) with Vital Solutions, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am contacted daily by vital finance recovery! I do n't owe anyone money & there is no debt. If I call them back they say they do n't have my number & I tell them that I am reporting them to the FCC for harassment. I have been on the do not call list for years, I am harassed daily with vm from this company threatening that this is a debt collector and must collect a debt or I will be prosecuted. They claim I have received a number in the mail from them which is not true. They are rude & deny they have my number to call but my phone tells a different story.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Payday loan) with High Point Asset Inc (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Continue to call me and another number XXXX. 

saying I will be taken to jail etc

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Discover Bank Inquiry from XXXX XXXX, 2017 DID NOT APPLY FOR THIS CARD

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (OH).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account with Citi Bank in redemption of a promotional offer for XXXX XXXX XXXX miles after completing {$1000.00} in debit card purchases and completing a bill pay in two consecutive months. After quickly meeting the requirements of the offer, I contacted Citi via secure message ( on XXXX/XXXX/16 ) to confirm the satisfaction of the requirements ( reference # XXXX ) and received word that I had successfully satisfied all requirements of the offer and should " expect to receive your bonus miles no later than your XX/XX/XXXX statement cycle. '' Since then I have contacted Citi by phone and by secure message ( on XXXX and XXXX/XXXX/16 ) and they continue to postpone the originally promised fulfillment date, claiming that there is an ongoing investigation regarding my miles and citing the high volume of investigations to justify their reluctance to pay out the miles they had promised. 

I have been in communication with Citi for several months now with no resolution, and have n't been able to get useful responses from the Citi staff regarding the fulfillment of the offer. Overall it seems like the company is just trying to drag this out as long as possible so that I give up and miss out on the points they had promised.

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 07/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Acceptance Solutions Group, INC (OH).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Had gotten aprrove for another loan on Saturday.. representative never called me back to finish the process.. went on line and it said I was approved but never received it. Call today to see what was going on and I was on hol d 20 m ins and more the 3 times I called. When I call back th e 4th tim e the lady knew who I was before I even said  hello..At  this time I 'm frustrated due to the improper customer service I ask her anyway I could cancel it and she rudely said we will have someone handle it and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have been trying to obtain my credit reports for years and I am always told they are unable to provide them to me. Each time I am either given an incomplete report or referred to requesting the reports through the mail at substantial costs. I am simply asking for something that everyone else in the country is entitled to.

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 10/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. 

I am requesting a new loan modification review and a new pay off 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 05-01-2015 about Debt collection (Auto) with Pinnacle Credit Services, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Pnc Bank not sending account information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with Bank of America about 9 months ago. After 3 months of submitting documents I was told I did not live in my house. This was not true. They had the documentation to prove I lived there. I then submitted additional documents to prove I lived there. This time they came back and said on their NPV that I could get 5.125 % over 40 years if I had extra income. My husband was able to contribute the extra income and we resubmitted. B of A sold the loan to XXXX XXXX XXXX but they are still the master servicer. This loan should have been modified along with others in the securitized class action lawsuit of the XXXX XXXX XXXX XXXX XXXX ( the trustee ) and Bank of America. since XXXX is the investor. Bank of America was aware of this and chose to ignore the instructions of the settlement.

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 12-02-2016 about Debt collection (I do not know) with Paramount Recovery Systems, L.P. (HI).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: Violations of the Fair Debt Collection Practices Act, 15 USC 1692c, Section 805 ( a ) ( 1 ) : Paramount Recovery recklessly calling as early as XXXX

Company response to consumer: Closed
Consumer complaint received 06/24/2015 about Mortgage (Home equity loan or line of credit) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.

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