milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/16/2016 about Debt collection (Credit card) with Diverse Funding Associates LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There keep calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Closing on a mortgage

Complaint: I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (WA).
Issue: Struggling to pay mortgage

Complaint: The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review  '' the file which by the time they issued an update it was  XXXX   XXXX  which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On  XXXX   XXXX  we submitted a value dispute in response to the counter,  Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On  XXXX   XXXX  after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on  XXXX   XXXX  stating the value dispute concluded with no change to the price expectations. the next day on  XXXX   XXXX  the buyer increased the offer. The negotiator  XXXX   XXXX  said it would only take a few days for approval. However, on  XXXX   XXXX  he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six  months. This file has been dragged through the dirt and completely mishandled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax refuse to report my XXXX installment accounts. I have XXXX XXXX XXXX credit cards and XXXX XXXX XXXX auto acct and they are not reporting these paid accounts. I have contacted Equifax and they said they only report what 's given. XXXX XXXX states they have sent all of my acct info to Equifax. My credit score is low because Equifax want add these accounts. Equifax will report negative accounts quickly but wo n't report my accounts in good standing. They told me I couldnt dispute because the accounts must first be on my credit report. 

Equifax is n't working for me as a consumer. They report inaccurate info or what they want to report and it 's quite unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax is reporting that XXXX XXXX XXXX, Account # XXXX was late 2 times XXXX XXXX and XXXX XXXX. That information in incorrect. XXXX and XXXX confirmed it was an error and they corrected it. Now I need Equifax to correct it as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX, XXXX is trying to garnish my check for {$550.00} plus other fees which will bring the total to {$740.00}. I am not responsible for this account because my identity was stolen. This account has been closed for years. I have communicated this with XXXX XXXX, XXXX and XXXX XXXX XXXX on numerous occasions. I work hard, and do not want my credit file negatively affected by this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (VT).
Issue: Fraud or scam

Complaint: PayPal has froze money on our account. 
We opened Paypal back in XXXX XXXX and had been using it with no problems until the end of the year. After a year the froze my money on our account with this explanation " fake ID uploaded when account was opened ''. They told us to wait 180 days and then we can get the money, 180 past and we can not take the founds ( {$490.00} XXXX from the account. 
Driver license had been issued by the state of XXXXt and can not be " fake ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: APR or interest rate

Complaint: Amex used higher APRs to calculate interest/finance charges on my XXXX 2016 ( XXXX/XXXX/16 ) Amex Clear Card Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Credit card protection / Debt protection

Complaint: I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.

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 03-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other fee

Complaint: I currently have a Capital One Platinum Card which has a {$59.00} annual fee. I rarely use this card and would have liked to downgrade to a basic card ( e.g. XXXX or XXXX ) which does not have an annual fee. I did not want to close the account to adversely impact my credit. However, Capital One said that I was unable to switch to a no-fee credit card product. So I had no choice to cancel the Capital One Platinum Card to avoid paying the {$59.00} fee. [ NOTE : I was involuntarily upgraded to this fee-based product a few years ago, I kept it because I did n't want to hurt my credit, however I can no longer justify a {$59.00} fee for a product a rarely use ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Other type of mortgage) with LoanCare, LLC (FL).
Issue: Closing on a mortgage

Complaint: My father sold his home XX/XX/XXXX. He passed away  XX/XX/XXXX. His Mortgage company XXXX XXXX sent him an escrow check for the remaining amount of {$2000.00}. I reached out to XXXX XXXX in XX/XX/XXXX to have the check re-written under the name of his estate and supplied the estate info along with his living will listing me as executor. They took almost a month to re-issue a check but sent it to his XXXX XXXX again after I had already advised them that it was closed out sortly after his passing. They had to issue another check which took another month. I received the check the end of XXXX and submitted it to my fathers Estate Account on XX/XX/XXXX. The check was returned by XXXX XXXX XXXX   refusing to cash the check. I reached out to XXXX XXXX and they confirmed the check I deposited was the correct check. I was told that they would investigate. I called again two days later ... .No response. I called Loancare again on the XXXX and was told that I now have to email proof of deposit, the returned check, and the bank statement showing the return. I sent all this info via email as instructed by Loancare on the XXXX. I received an email back stating it would be resolved in 2 business days. I called again today as I still havent received a response. I was told now that they would have more info on the XX/XX/XXXX.  This should be a simple phone call to their bank. I am getting the run around from this company for months now. My father estate account is now over draft by roughly {$180.00}. I have already incurred {$12.00} in bank fees due to their error. I was advised by the bank  that their may be more. I do not have funds of my own to deposit in order to prevent the account from being closed. I have invested hours of my time to resolve this issue and it doesnt seem like its possible with this company.

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 07/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am trying to switch my loans from forbearance to an income based repayment plans. I enrolled in an income based repayment plan in mid XXXX and supplied all my financial information. On XXXX XXXX, 2017 i was enrolled in an income based repayment plan, BUT only some of my loans were enrolled. The rest were placed into a standard 10 year repayment plan. I was given a minimum monthly payment that reflects an amount that is approx XXXX dollars more/month than what should be based on my financials and also what navient also admits it should also be based on annual income. i 've called 4 separate times spanning the past 30 days to resolve this issue. Every time Navient i 've called, navient stated that my federal loans are taking a longer time to enroll but that it wil be done within a few days.. this was the same response FOUR TIMES. At this point i 'm becoming nervous because i cant afford my monthly payments but my payments are due. I 've already payed my XXXX payment because i do not want to default on my loans but i can not keep up and navient will not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi, recently there was a statement sent out from XXXX XXXX to Equifax. The statement sent, after discussing a miscommunication, of a 12 month, 0 % introductory period/roll over account from XXXX XXXX XXXX XXXX, was contingent on 2.9 % of the total balance. I 'm now aware of the miscommunication and cleared late charges and brought my account to balance. Ther contingency is : there are no late fees, or interest charges, applied the first three months of my rollover, that should have triggered late payments. Please remove any adverse remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with ZENCO COLLECTION, LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted XXXX, Transunion and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted 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 02-07-2017 about Mortgage (Conventional fixed mortgage) with TOTAL MORTGAGE SERVICES LLC (VT).
Issue: Loan servicing, payments, escrow account

Complaint: Total Mortgage serviced a mortgage for a period of time in 2016 on my house. They have been unable to furnish my tax document for the interest I have paid. I tried calling them, their phone consistently bounces me to their sales desk with someone looking to take my personal information to have a loan officer call me back. They can not give me the number nor can they connect to someone in customer service. They say that they are giving me someone in customer service, but the phone number merely connects right back to the sales desk. This happened more than once. I got a call back from a loan officer and the number used was a local number. The sales rep was located in CT. I think that is a deceptive sales practice. I just want my tax document. It should have arrived by now.

Company response to consumer: Closed
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with SOUTH PACIFIC FINANCIAL CORPORATION (NV).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is linked to a previous case XXXX : My mortgage company has been paying the premium on my homeowners insurance per the initial terms of the mortgage. I have been receiving communications since XX/XX/XXXX that there was a lapse in homeowners insurance coverage from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and I am being asked to pay the mortgage company over {$4500.00} to obtain coverage for the same period. I have tried to resolve this with the mortgage company through written ( email ) and phone communications yet I have not been offered a proper resolution to the issue. I do n't understand being charged an excess of {$4500.00} to cover homeowners insurance for a less than four months period of time. I have tried to obtain coverage for the period in question on my own, but I am unable to get an insurance company to write a policy for a period in the past. 
Update XXXX/XXXX/XXXX : I still continue to receive notifications from South Pacific Financial that my escrow account has insufficient funds as a result of the above. Please see attached letter where I am now being charges {$2300.00} for the Principle, Interest, Required Escrow and Shortage Surplus spread despite the fact that South Pacific Financial had previously answered complaint XXXX with a statement that they would be making this payment on my behalf. Please reference XXXX for the statement made by South Pacific Financial. I have contacted the mortgage firm via email. My next mortgage payment is due XXXX XXXX XXXX and I need a correction made before then to avoid the overage charge. 
To be clear, this is all the result of negligent oversight on the part of South Pacific Financial. They failed to furnish property insurance for the time period in question. As such, the home had no insurance during the period in question.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Other mortgage) with KEYCORP (UT).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with Key Bank and in 2013 I settled the account with them and it was complete XX/XX/2013. They are still reporting that I owe a balance and it should have been XXXX once the payment was completed. It has affected all my financing since 2013 due to this fact.

Company response to consumer: Closed with non-monetary relief