milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with CarFinance Capital LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I received 3 calls in a 19hr span from CARFINANCE.COM ON XXXX. 
calls were collected : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX This is Harassment and needs to stop. I have already given a date of payment XX/XX/XXXX and I still get harassed by this company 3 times in 1day? This is a violation of FDCPA and Rosenthal Act. I want this stopped immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (Auto) with TCF NATIONAL BANK (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Nationstar is foreclosing on my home. 

In XX/XX/XXXX, Nationstar refused my payment to bring my account current. 
One of the reasons I was given was that after a 3 month trial for a modification, the final paperwork was never signed. In XXXX, and after Nationstar still accepted a payment without those papers being sign, I asked that those papers be emailed to me so that I could sign them. They were not. 
Had Nationstar sent those papers, via email, as I requested, accepted my payments, in XXXX, my home would not be in jeopardy. 
I have applied for a modification twice since XX/XX/XXXXand twice been rejected. 
As per legal advice, I have requested by email ( XX/XX/XXXX ) documents related to my account. Nationstar has not responded. 
I have also sent by certified mail, Request for Information forms ( RESPA ). It has been over 30 days and Nationstar has not responded. 
My home should not be in foreclosure. 
This entire situation has continued to have an adverse affect on my physical and emotional health.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (IL).
Issue: Other transaction issues

Complaint: Western Union Case Reference # XXXX On XXXX/XXXX/16, around XXXX I tried to make a money transfer transaction through Western Union of {$1400.00} ( MTCN : XXXX ). At the end I received an error that this transaction can not be completed due to an error. I called the Western Union, and the lady explained to me that this might be happened due to WU system upgrade. She was also not able to see any transaction during the review of my account. While I was taking to her I tried another attempt ( MTCN : XXXX ). I received the same error. She said these transactions are not going through probably due to system maintenance and you can try again at a later time. If you still face the same issue then call us and we will do the transaction for you. 

After about an hour, I made another attempt ( MTCN : XXXX ) that went fine and I received the message that the transaction completed successfully. 
On XXXX/XXXX/16, around XXXX, during the review of my Bank Account, I was shocked after seeing my account balance. I do n't have sufficient funds available due to additional XXXX consecutive transaction of {$1400.00} from WU. Right away I called to WU to communicate the transaction issue. The WU representative ( XXXX XXXX, XXXX # XXXX ) told me that WU will revert the initial XXXX transactions within 7 days. 

My subject Bank Account is used for auto-pay bills. Currently sufficient money is not available in my account. I already suffer enough by WU system issues and non-vigilant customer service. I am astonished that these kinds of transactions were not considered suspicious at WU end and the client was not contacted immediately before finalizing these transactions. 

The money related XXXX additional transactions is still available in the receiver Bank Account. This problem is happened due to the system issues and WU should be responsible to revert initial XXXX transactions. I want to keep my record straight for all my financial deals. 

Until today ( XXXX/XXXX/2016 ) WU was not able to able to provide any satisfactory answer to provide the solution of the problem happened due to WU system glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: convergent outsourcing has illegally re aged alleged debt. A collection account is reporting as open on my credit report. Which is illegal and false information. I did n't enter into a contract with a debt collection agency. This false and deceptive practice had hurt my ability to obtain credit. They are reporting XXXX accounts from comenity bank and XXXX account from XXXX as opened by me. They also re aged the debt as if I recently opened these accounts once they were sent for collection. They claimed to have sent me verification of these accounts which is false. A collection account can not report as open that violates the FCRA and the dates and amounts are incorrect. I 've stated this for months and there was no proper investigation ever done. Also no resolve to my complaints. The only thing left for me to do is to seek punitive damages for what this has cost me. Since you wo n't investigate I have to make this a legal matter.

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 02/22/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was an student in XXXX in XXXX Texas school close because fraud and they charging me the loan I was there around 9 months, I contact customer service and they say it will take them up to 18 month for an answer to move that of m credit report because in collection at this moment

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: over charging interest. will not send complete history of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (VT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Since XX/XX/XXXX, Comenity Bank has called me repeatedly (sometimes hourly) from the following phone numbers:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

If I block one number, they call right back from another one. When I answer the phone,I ask for them to please contact me in writing. They hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I am currently in foreclosure with XXXX. I have been dealing with XXXX XXXX at bayview loan servicing and have provided all requested documents to her to try to save my home from being foreclosed however my income has shown to not be enough to support the modification after tiffani informed me it was two weeks ago. Now on XXXX XXXX she informed me that she misspoke and that my income had not been approved as she stated two weeks early. My daughter has been kind enough to pay me for watching my grand daughter to get a bit of income coming into the house. I explained this to tiffani and she is requesting tax documents, paystubs and credit reports from my daughter. She is delaying my modification for these documents that my daughter does not feel comfortable providing when I have offered to provide cancelled checks and a letter from my daughter stating the agreement. I do not see how she can legally request this information and delay my claim for it. This is not my daughters debt and I am not looking to add my daughter on to the account. Please assist me with this business as I do not want to lose my home over documents that my daughter and I feel they have no legal right to ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Received a letter from a company called Midland Credit Management about a very old credit card debt that was voided in court nearly 9 years ago. They are attempting to get a payment from me, but admit in the letter that the statute of limitations has passed on the debt, while not acknowledging that the debt is no longer even valid. My concern at the moment, due to reports from others who have dealt with them, is that they will try to damage my Credit history in an attempt to blackmail me into paying them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have XXXX XXXX problems. I lost my job. I have an old credit card with XXXX XXXX originally for overdraft protection that has an incredibly high interest rate that they tell me is high for all these weird surcharges. When Ive tried to work with them they wont help me and tell me not to close it or pay it off. I cant even pay one of the amounts now equal to a standard payment when I worked. They have served me at my door in a house where I am living with a relative. I do not have a home and just a car for assets. I have 12 days left on the summons to pay them {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (KS).
Issue: Trouble during payment process

Complaint: In XXXX XXXX, my mortgage was sold to Carrington Mortgage Services , LLC from XXXXXXXX XXXX. At about the same time, I filed for Chapter XXXX bankruptcy, and managed to get the one payment caught up that I missed, and have bank statements reflecting as such. I continue to make my payments on time and think everything is ok, and then approximately two years later, Carrington files a proof of claim with the bankruptcy court stating I missed a payment ( which I have n't ), and also asked for approximately XXXX XXXX in " projected escrow shortage ''. Unfortunately, I did n't have the money or resources to pursue this matter in court further, so I ended up having to have my house payment rolled into the payment I was already making to the court to " clear up '' this matter. Fast forward to XXXX XXXX, where I lose my job, and manage to continue making payments, and in XXXX I converted the bankruptcy case to a chapter 7 simply because I did n't have a job, and I ca n't afford for them to dismiss the case and have all the other stuff come crashing back down on me. I 'm making payments this WHOLE time, without fail. In the same month ( XXXXl ), Carrington files a relief from stay because they say I 'm behind on my mortgage ( which I 'm not and I can prove it ). Well, the Chapter XXXX Case was XXXX in XXXX XXXX, and their relief from stay was denied because of this. I also have an email in my possession from their attorney stating that my mortgage is current through XXXX XXXX ( it 's current through XXXX XXXX as well ), and I am STILL showing a balance of {$2300.00}, and I have no idea what it 's for. Not only that, but I get an escrow review and my payment has gone up {$61.00} to {$820.00} for a perceived escrow shortage. I contacted XXXX and their rep advised me to call in and find out what 's going on. They told me it was advance payment fees of some sort. I 'm 99.9 % sure it relates to the bankruptcy case, which is now closed, and they ca n't collect on that. So, I thought I 'd start here first. I also have a QWR letter waiting in case I need to send that too.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.

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 07/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I applied for a XXXX Credit card that would be issued through Chase Bank onXX/XX/XXXX. I recently pulled my annual credit reports and found there are additional hard inquiries for Chase Bank that I did n't authorize. They are showing on my XXXX and XXXX reports. On my XXXX report, it shows the address associated with the inquiry. The unauthorized inquiries are associated to an address that I moved out of in XX/XX/XXXX. the unauthorized inquiries were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: To comply with the Uniform Commercial Code in a state, a UCC-1 Financing Statement must be filed with the Secretary of State, by anyone who makes a claim against any other person in the area of commerce. All government agencies, ( city , county, state and federal ), operate in commerce and all of them are private corporations ( persons ). I am enclosing a copy of a UCC-11 Information Request to show proof that there is no public record of any debt being owed to any corporations. Due to these findings it is imperative that any credit reporting bureau that are listing this inaccurate account on my report, be removed/deleted immediately being that there is no evidence to show that a debt is owed to them. I hope you find the enclosed information sufficient to conduct your investigation so that you may enforce the laws designed to protect the public from misleading or unlawful business practices.

Below you will find the account that are currently being disputed : XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never happened.

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 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are many hard inquiries on my credit without my authorization. On XX/XX/XXXX & XX/XX/2015, XXXX XXXX, XXXX XXXX obtained a copy of my credit report without my authorization. And on XX/XX/2015 XXXX also obtained an unauthorized copy. I requested written proof and none was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: *Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

XX/XX/XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XX/XX/XXXX. 

Those items are : - XX/XX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : Law Offices of Mitchell - {$980.00} These debts were all incurred XX/XX/XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Closing/Cancelling account

Complaint: I had XXXX credit cards with Chase. 
They were both a a couple months past-due. 
I paid the cards off completely and, in doing so, brought them current. 
So Chase automatically closed the account. 
I had no notice the account had been closed. 
I did not find out the accounts had been closed until a message appeared online after I had paid off the accounts. 
If I had known the accounts were closed, I probably would have negotiated to settle the debt for less than the total, that included many, many fees. 
So Chase got their fees and then closed my account.

Company response to consumer: Closed with explanation