milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: i called to make my XXXX payment and nationstar claimed i was two months behind. i faxed them bank statements proving seven payments for seven months. i requested a full transaction history from them which though a little confusing to read bears this out, supposedly they were going to research. i have heard nothing and this has been going on for weeks and they are still claiming im late and sending emails for collection

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.

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 02/19/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Credit decision / Underwriting

Complaint: I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are inaccurate hard inquiries on my credit report. A couple of the companies I am doing business with such as the finance company for my car, but the hard inquiry is reporting for the following year after I purchased my car. There are inquiries that are reporting with companies I 've never had any dealings with. I 've reached out to all  XXXX  major credit bureaus more tha n 10 times  explaining the info is inaccurate. Equifax constantly states that there 's nothing they could do, and the other ones as well. This situation is inhibiting me from moving forward with my credit as well as attempting to purchase a new home. Besides the inquiries, I 've noticed a couple things in collections that have reappeared that was once removed and proved to not be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XXXX XXXX for XXXX store credit card. 
I had an opened account as described above. I did not use the card. There was a bill for {$9.00} that I do not believe came from me. I was never sent a bill. The account was updated to my new address and they never sent a bill via the mail or email. I found out about the issue after a phone call from some computer talking machine that mentioned XXXX. I could not ask the machine any questions. I did not know what this was about. I researched and found they reported me as being 30 days late to XXXX and XXXX. I am naturally reluctant to pay a bill until found out more details. I called XXXX XXXX and the person spoke in broken english. So I wrote a dispute letter and faxed it to the number given by XXXX XXXX. I new time was important. XXXX closed my account the day after I faxed my dispute. I believe it is illegal to take collection action after the account has been disputed. This is very suspicious on their part. 
They do n't me a bill. There is questionable charge for {$9.00} on my account. They charged me a late fee plus interest and want to collect {$32.00} for a {$9.00} product I never received. I have called them and they speak with broken english. I am happy to pay a bill that I actually owe after I receive it in the mail and have an opportunity to review the charges. I am even more upset that they have the power to place derogatory information on my Credit Report. I believe the law clearly states that no collection activity can take place until the dispute is resolved. 
That means the cant take any negative action on my account and must remove the information reported to XXXX XXXX and XXXX. They also can not close my account which they did after they received the dispute via fax. Please help hold these people accountable for their violation of my rights and the laws that are there to protect the consumer. If they do this to me, just think how many people have been violated by these people.

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 04-11-2017 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Unsolicited issuance of credit card

Complaint: I am filing this complaint on behalf of my sister who at the time was on XXXX due to XXXX and XXXX. Her Social Security check ( which is her only income ) is automatically deposited into her checking account at the Wells Fargo bank in XXXX, SC. In XXXX 2015 someone at that branch came to her and offered her a credit card with no interest for 24 months if she would open a savings account and and have the bank automatically draft {$25.00} from her checking account each month. The outrageous part of this deal is that they opened the Visa card with a credit limit of {$4000.00}!!!! Now mind you, they came to her, she did not ask for a credit card. At that time her monthly Social Security check was approximately {$1100.00}. She barely has enough money to pay her rent of $ XXXX, car insurance, utilities, groceries, medicine, healthcare, gas, and misc expenses. In her XXXX this was a good thing which of course was NOT! You can image the rest of the story ... .. I make sure all of her bills are paid every month and she HAD fairly good credit, but I did not know about the credit card. Well, she has managed to charge well over the {$4000.00} credit limit and the {$50.00} /month she has been paying on it will never get it paid off. I agree that she used very poor judgement in charging this huge amount but I hold Wells Fargo for even worse judgement in issuing a credit card to someone with such limited resources! That credit card was like giving drugs to and addict or alcohol to an alcoholic. Now the bank is coming after her and asking for minimum payments of {$1000.00} or more which of course is a joke. 
Please look into this matter in light of all the underhanded things that Wells Fargo has done to their customers. Taking advantage of someone like my sister is reprehensible and Wells Fargo should assume some responsibility for this egregious act. 
The most important thing is that I do n't want her checking account to be compromised in any way because now her credit is ruined because of her debt to earning ratio and I do n't think she would not be able to open another checking account anywhere. I try to help her to live independently and it has worked so far until this dang credit card was issued to her. IT SHOULD HAVE NEVER BEEN OFFERED OR ISSUED TO HER WITH HER INCOME LEVEL! We live in different states but thanks to online banking I make sure her bills are paid. 
Please help us.

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 12/14/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MD).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account on Coinbase, which I use to invest in bitcoin. I have been using Coinbase since XX/XX/XXXX. Since XX/XX/XXXX, I have been unable to make any transactions, including selling my bitcoin. The message I get when I try to sell is that I need to first verify my identity. This has never been a problem in the past using coinbase, so I 'm confused as to why they need this now. When I go to verify my identity, I put in all the correct information and coinbase says they can not verify my identity. This basically means that I am locked out of the funds that belong to me. I first reached out by submitting a support ticket on their website on XX/XX/XXXX. Their response the next day was some generic message about trying to format my apartment number differently or using my legal name instead of a nickname, etc. I responded saying this was not the issue, as there really is n't any other way to format the information I 've given them on the identity verification page. I have heard nothing since then. I also reached out to their support XX/XX/XXXXpage on XX/XX/XXXX and have received no response. I also have made multiple calls over multiple days to their support line, and all I get is an automated message saying their support line is too busy to take my call and they hang up on me. With how volatile the price of bitcoin is, I 've lost hundreds of dollars because I am unable to make transactions. I want to cash out and never use their service again, but I am being blocked from my own funds. They have ignored my repeated attempts to even get into contact with someone from their support team for a week now.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Mortgage debt) with Seterus, Inc. (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting an authorized user account that is not mine that needs to be deleted from my credit report. The account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Student loan (Non-federal student loan) with Lazega & Johanson LLC (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was being pursued unknowingly by a law firm Lazega and Johanson that my private student loan XXXX XXXX XXXX hired. When they found me they were extremely rude and aggressive calling me all the time even at work. They sued me and I answered the suit stating that I did n't believe I owed that amount. In court the judge asked us to go mediate, we did. We agreed on XXXX a month. I offered lower, they would n't take it. I knew XXXX was a stretch, I explained my job situation to them, they reassured me that they would work with me. I missed XXXX payments and called to make arrangements and they would n't call me back. Out of the blue they levied my bank account. I filed a chapter XXXX to stop it and I listed them in the bankruptcy and they did nothing. I did n't know a bankruptcy does n't discharge loans. The bankruptcy was discharged in XX/XX/XXXX and I called them to renegotiate a payment plan. I was told that they sold the loan and no longer had it. I was blindsided a month letter by a certified letter stating that my wages were being garnished. I 'm at the point I definitely ca n't afford almost XXXX a month and I do n't know what to do. They want take it off or talk to me and I do n't want to file a chapter XXXX either. I really need help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: For ten years we never had payment issues with our previous loan servicer XXXX. Unfortunately, XXXX XXXX recently sold our mortgage loan to a private investment company. The new owner uses a different service company called Select Portfolio Servicing Inc ( SPS )  based in XXXX XXXX XXXX, UT. 

We 've had nothing but problems with SPS from the very beginning of our relationship. Unlike XXXX, SPS does not put the amount due on our monthly statements. 

I 'm forced to call the SPS call center every month to get the amount I have to pay. Unfortunately, every time I talk to someone at SPS, I get a different answer to how much I have to pay. I call multiple times to see if I can get an agreement on the amount I have to pay. Usually I choose the highest payment amount given to me. 

When I get my next month 's statement, I see that the amount I paid was incorrect. When I call SPS to find out what the correct amount was for the previous month, once again I get different answers depending on whom I 'm speaking with.
I tried to talk to a SPS call center supervisor, but each time I 'm told that there is n't one available, and a supervisor will call me back in 48 hours. Of course no SPS supervisor ever calls me. 

The SPS call center representatives are so bad, unskilled, and unhelpful, that for the first time ever, I wish SPS would outsource their call center to XXXX. 

Ever since SPS has become my mortgage loan servicer, I spend HOURS every month trying to pay my mortgage. It is an ordeal dealing with this company. I just want this nightmare to end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Payday loan, title loan, or personal loan (Title loan) with SpeedyCash, Inc. (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/14/2016 about Student loan (Federal student loan servicing) with MOHELA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan is serviced through MOHELA and is at a 9 % interest rate. In XXXX, XXXX, I called to inquire regarding my high interest rate and possible options to lower payments, etc.. I was told that I 'd been charged incorrect interest since the loan originated ( XX/XX/XXXX ) and to " hold off payments '' until MOHELA 's accounting department could reconfigure my balance. On XXXX/XXXX/XXXX, I received a letter that my terms had changed to 8.17 % and balance reduced from {$36000.00} to {$23000.00}. This reduced my payment significantly and I made many financial decisions based on this information. I proceeded to make a home purchase, my credit improved, and I took a new job in another state. Subsequently, on XXXX/XXXX/XXXX, I received another message from MOHELA stating that the terms had been CHANGED BACK ( 9 % interest rate ) and my balance had actually gone up because they 'd put my loan in forbearance while their accounting department calculated what my new payment would be at 8.17 %, etc.. In calling MOHELA, I was told that the original person who 'd given me the information " had been XXXX '' and could not be reached. I then spoke with multiple supervisors in Customer Advocacy. " XXXX '' is my primary contact and states she is " trying to get Senior Leadership to do something but having a hard time ''. I 've gone weeks at a time without receiving a call back and it has taken hours of my time to try to get this resolved. I am a XXXX working at a XXXX and do n't have time in my day to constantly try to get an answer. I feel like I 'm being ignored and it seems unethical and illegal that a financial institution of any kind could change one 's loan terms on a whim. I made financial decisions for my family based on information received, only to have them change it back " because we made a mistake ''. The change in terms was in writing and they should be held accountable. I understand I have an obligation to pay my loan, but MOHELA has an obligation to provide accurate information and abide by the terms they provided me on XXXX/XXXX/XXXX. I encouraged them to utilize their " mistake '' for future training of employees or in looking at their processes. XXXX and financially, I was so relieved to hear that my balance had been reduced and that I would be able to meet some financial goals I 'd been pursuing. For MOHELA to make such changes on a whim, without this in consideration, is completely unethical. Something NEEDS to be done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (AZ).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: The debt collector repeatedly states that they " work '' for the public university, XXXX. They claim they work directly for XXXX University and have to make all decisions with the university, never mentioning " Williams and Fudge '' as their employer or admitting they purchased my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Consumer Loan (Installment loan) with U.S. BANCORP (NY).
Issue: Problems when you are unable to pay

Complaint: I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently disputed XXXX credit card collections with XXXX to have them removed from my credit report because they came back verified. I requested documentation to prove these debts belong to me but I have not received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.

Company response to consumer: Closed with explanation