milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-02-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage has serviced the loan on my house since the beginning of 2014. I have an auto debit for my monthly payment. Additionally I made arrangements, when Nationstar took over my loan, to be able to mail in monthly Principal Only payments. Nearly every single Principal Only payment made to date has been taken as a regular payment, distributing the payment as partial principal and partial interest. When I call them to correct the payments, they do not deduct from my total balance to reduce my interest payments, keeping my interest at a higher total amount. They are also charging me an " adjustment '' fee when I call to correct these errors. This company must be stopped!!

Company response to consumer: Closed
Consumer complaint received 08-10-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: Unwilling to accept past due payments and repo fees. They will only accept full pay off of the loan and refuse to hear circumstances surrounding past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with Crown Asset Management, LLC (GA).
Issue: Credit card protection / Debt protection

Complaint: In XXXX, after 20 years of employment with the same company, my wife was laid-off due downsizing. She had several credit cards at the time and I was listed as an authorized user on some of them. I was not the OWNER of any of the credit cards - I was only an AUTHORIZED USER. My wife was successful in finding another job but the pay was 1/3 of what she was making before she was laid-off. For over 3 years, she tried to keep up the payments on her credit cards by drawing money each month out of her retirement account. Unfortunately, in XXXX of XXXX she had no choice but to declare bankruptcy because she had used up her savings and retirement dollars. After she was discharged from her bankruptcy, I began receiving certified/registered letters from XXXX demanding that I pay the balance on her credit card. I explained to them that I was not the owner of the card, but simply an authorized user. I asked them to send me proof that I had signed the cardholder agreement as a responsible party. I received a letter from them stating that they did not have the proof that I was a responsible party on the account. I explained to them that until they could furnish proof that I was a responsible party on the charge card that I was disputing the validity of the debt and respectfully requested that they do not contact me again. To date, they continue to harass me requesting payment and have now sold the account to a collection agency that is demanding payment. My wife talked to the attorney that handled her bankruptcy and was informed by her that I am not responsible for this debt. I am requesting that the harassment for payment on this account be stopped and that the negative information they have reported on this account to the credit bureau be retracted.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Mortgage) with UNITED SECURITY FINANCIAL (CA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. 
We 've asked them to stop called so frequently as we are getting together the paperwork requested.

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 10-10-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: The use of XXXX affidavit by myself and Attorney XXXX XXXX in an effort to show the existence of a material fact issues for trial were essential to the judicial process itself and the standards for affiant-submitted evidence that XXXX violated must be examined in this case. Due to the magnitude and importance XXXX XXXX Expert Opinion could have to safeguard Texas home owners TODAY, it was imperative that XXXX XXXX 's sworn submission be sufficient in execution and substance to ensure the integrity of his statement. XXXX XXXX demonstrates he does not understand the legal significance of his statements and opinions and should be advised that this behavior brings question to his integrity, ethics, and his lack of professional standards contribute to additional erosion in confidence that Texas residents rely upon from the industry he represents. 
The affidavit submitted by XXXX XXXX demonstrates his indifference to the potential for punishment and adds additional questions of moral value for all appraisal professionals in the state of Texas. The affidavit that was submitted by XXXX XXXX was utilized to protect the integrity of the truth seeking process and to support the integrity of my claims before the courts. At the interest of all future Texas appraisers, the affidavit XXXX XXXX submitted should be utilized as an object lesson for other appraisers offering Expert Opinions in the state of Texas on what NOT to do when supplying a sworn affidavit to the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: In wake of the massive Equifax breach there needs to be an easy and free way in which a consumer can freeze ( and thaw ) their credit so that the perpetrators can not open new lines of credit in my name. 

While I will continue to aggressively monitor my familys credit, it is disappointing that there is not a way to easily do this at the three main crediting agencies.
For Equifax, XXXX and XXXX to actually profit from a security breach that they caused is beyond mind numbing.
Hi Customer, We the credit bureaus collect ALL of your personal and financial information in one convenient database. Unfortunately, all of that data was stolen, but for $ X a month we will monitor and protect you from fraud. 

No thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to modify my loan with US Bank since XXXX. They refinanced my loan from a private lender but never issued a satisfaction of mortgage. Once I hear they had not disbursed funds for payoff I stop paying the loan and attempt to modify the loan since the value went from {$550000.00} in XXXX to {$290000.00} in XXXX.US Banks has ignore my requests for proof of disbursement of funds to the previous lender. I then attempted to short sale the property and US Bank would not approve short sale due to lack of satisfaction of mortgage. Their reason for not modifying loan since XXXX is " lack of documents ''. I have hired an attorney and behold she is having the same issues. They do not properly log in receipt of documents and are missing documents vital to my loan. They have handled this loan very poorly and it is my belief that they have been fraudulent in their reason for not modifying my loan. US Bank is NOW trying to force a foreclosure and evict me from my home where I have lived for 10 years. My daughter and her son lives with me and we will be homeless. 
When Hurricane XXXX did significant damages to my home, my insurance issued checks over {$50000.00} and US Bank has kept checks and has not disbursed any funds to me even though I paid out of pocket for emergency repairs totaling over {$20000.00}. They are using poor business practices when handling large sums of consumers money and their willingness to modify mortgages loans is unacceptable, especially when they are the root of the problems. They received XXXX of dollars from government bailouts and they have not passed those along to help suffering consumers. I would like have my complete file reviewed to inspect for fraud and improper handling of business documents and funds by US Bank. Additionally they have received my funds from insurance company for emergency repairs for Hurricane XXXX. They have yet to disburse any funds to me even though I spent out XXXX of dollars out of pocket. Please help me. Thank you!

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 08-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: When trying to get information about the repayment terms of my loan information through Navient it has been very unclear and often inaccurate. My loan was in enrolled in a modified payment plan of interest-only payments until  XXXX  of  2017 . At that time I received a letter stating that the payment was going to change in  XXXX  from {$60.00} to {$230.00}. I started making payments in  XXXX  and waiting for a new schedule of payments that I requested on  XXXX   XXXX ,  2017 . I never received a new schedule and then received an email in  XXXX  stating that my account was past due because my payment had changed to {$310.00}. I then called again to get a schedule of payments and have yet to receive accurate information regarding the repayment plan. Every month the amount due has changed and I have no way of knowing what it will be from month to month. I have tried countless times to get the correct information, however most times that I speak with them the customer service representative ca n't even follow the payments made and what is actually due. Navient 's on website is confusing and not consumer friendly. This is the sort of information that should be available to a borrower through their acccount.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Debt collection (Medical) with N.A.R., Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a collection notice from Convergent trying to collect a debt of  XXXX . When I contacted them to find out what the debt was for I was told it was on a   XXXX   XXXX   for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX . Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years. Convergent received info from   XXXX   in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage with XXXX XXXX which is managed by Ditech Financial LLC. I have never missed a payment, and the loan is in good condition. 

At XXXX XXXX on XXXX/XXXX/XXXX, I called Ditech XXXX to inform Ditech of my home insurance to change in XXXX. However, Ditech started the phone conversation as if my loan is already in default and started to collect my personal information as to get ready for the collection process and treated me as their target for collection without knowing the status of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Credit card) with Collection Bureau of America Ltd. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is refusing to work with my other than over the phone. I have asked for emails or mail to be sent to my home for payment options. They are telling me that I have to call in. I am busy all day and attend meetings. I do not have time to call. It 's ridiculous that they would n't give me options. This is unfair as I am trying to resolve my account. Please help me.

Company response to consumer: Closed
Consumer complaint received 11/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have requested my credit report many times from TransUnion. I have sent them everything that they need but they refuse to update my address and send me my credit report. So I am writing this complaint in an effort to obtain 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 03/13/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried to dispute this online being that I was just made aware of this over the weekend. Its an account that 's in collection that I have no knowledge of. 
Account name : XXXX services dated XX/XX/2017 {$59.00}. I have no knowledge of this account and have never received any mailings prior to it going to collections

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

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 08/17/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Balance transfer

Complaint: Macys turned my account over to a collections agency however my current account is not nor has ever been over due. I requested a replacement credit card when mine was lost in the mail XX/XX/2015. When Macys sent me my new card they actually created a new account and did not sync my old account balance with the new one, I was not informed of this policy which I am told is for security purposes. There was a outstanding balance of XXXX dollars on my old account that I was completely unaware of. I was getting statements for my new account and did not know that I had an old account that was becoming more and more delinquent. I never received a bill or a phone call regarding the old account. It is now reflecting on my credit report. My husband and I are trying to refinance our house and this is making it difficult. I spent 2 hours on the phone with Macys only to be shuffled around to XXXX different departments who couldnt and wouldnt help me. I was told to call the collections agency even after they admitted it was an error on their end. I am currently taking care of my grandmother who has XXXX and can not waste my time on the phone with collections agents especially when their is no error on my end. I need help dealing with this because I am getting the runaround and no one seems to know how to handle this. I have done nothing wrong other than trust that when I was issued a replacement card Macys would do their jobs correctly and provide me with my correct and current account information.

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 12-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: I have received by mail a document which seems very peculiar ( attached ). I need your confirmation if this is a true case or a kind of phishing.

Company response to consumer: Closed with explanation