milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/22/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have attempted to contact Nationstar 50-75 time both in writing and by telephone and they have not been able to clearly provide me explanations on payment inconsistencies and manual adjustments they have made. This complaint is in regards to a door tag that was left on my front door yesterday that said please contact your mortgage provider. They have never been prepared or willing to discuss my account with proper detail or provide info to me I have requested. They should have all info readily available at all times after my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Forbearance / Workout plans

Complaint: I contacted Citi with the request below : " I am writing this letter to inform you that I have lost my job on XXXX XXXX, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' They responded : From : XXXX XXXX Date : XX/XX/XXXX Account Number : Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) XXXX Subject : Re : Credit Card Agreement Reference : XXXX Dear XXXX XXXX XXXX XXXX, Unfortunately, we are unable to handle your request to reduce payment through the Secured Message Center. However, we have forwarded your inquiry to the appropriate department for investigation. If you need immediate assistance, please call our Customer Service Center at XXXX. If you are outside the United States, please call us collect at XXXX. Our telecommunication number for our hearing impaired customers is CS TDD XXXX. 

We appreciate your patience. 

Sincerely, XXXX XXXX Account Specialist. 

Then : I called the number provided three times, the last time on XXXX/XXXX/XXXX, but no one knew how to help me or what department could. 

I 'm hoping to : I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.

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 03-03-2017 about Payday loan () with CASH AMERICA INTERNATIONAL, INC. (DC).
Issue: Can't contact lender

Complaint: They have threatened me with an arrest warrant sent to my email.

Company response to consumer: Closed
Consumer complaint received 08-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I have an adjustable rate mortgage with Washington Federal. On the change date they did not calculate the new rate per the terms on the contract. I have reached out to them 3 times with no forward progress on the issue. They can not produce a copy of the loan docs. I have a copy of the loan docs. The rate should be capped at 4 %. They raised the rate to 4.875 %. There is a line on the loan docs that is titled ; LIMIT ON INTEREST RATE CHANGE ; and it states ; The interest rate I am required to pay on the change date will not be greater than 4 %.

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 01/17/2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Problems when you are unable to pay

Complaint: Over the past 7 to 8 years my family and I have purchased XXXX different Honda Accords. On last I recently wrote to Honda Corporation with concerns about the lawsuit brought against their loan office for giving loans to XXXX at a higher interest rate than XXXX, which they neither affirmed nor denied. I received 4 different letters on XXXX previously paid off loans from Honda stating this information. I was concerned about the all the loans we had with Honda over the past several years. 
Thursday, XX/XX/XXXX my XXXX Honda Accord was repossessed for 2 months payment. I lost my job XX/XX/XXXX and was unable to make my payment of {$380.00} per month. I contacted American Honda Motor Corporation for the amount required to reclaim the car and was told I have to pay the remainder of said loan at {$7400.00}, plus collection fees, plus a fee to get my property from the vehicle..!! I was told this was stated in the contract, and upon reading said contract we do not see where that was a stipulation. I am in no position to pay such a larger sum of money, but I ask that Honda work with me to pay the arrears and 1 month in advance to have the car returned. 
I feel that because I wrote to the corporation concerning the actions brought against them I am being forced to pay off the loan on the XXXX car. The car is worth approximately {$9500.00}, far more than I owe to Honda and I feel they are being unfair by not allowing me to catch the payments and retain the car. I recently found employment and I am able to make the payments as I have in the past. 
I have been an outstanding consumer with Honda over the years and have talked several family members into purchasing a Honda. All I ask is to be given the chance to recoup my current loan as agreed. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 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 have repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Approaching my payment period, I began looking at of my loans and was rather confused. I first set up my bank account- which I found out later was the incorrect routing number ( my fault ). However, upon the payment bouncing back due my incorrect bank account number. I was called multiple times basically being chastised that something was wrong but they would not help me figure out the solution. So eventually, I retyped all of my account information in a second time but then at this point I had to pay double payment which I am thankful I had enough money. I do not think I should have had to double pay when they could not help me figure out what was wrong. Furthermore, I continuously called to check and try and solve my own problem. On top of that Navient gave no further assistance on my military payments when I thought I needed at XXXX for my taxes they had no clue or any direction. They only focus on what they need and do not care about customer service or finding a correct response. Also, I believe there should be a calculator for students on the site for them to try to pay off their loans before 10 years to save loads of money on interest. So many students will default on their loans because of this. They do not assist you with paying them back at all just complain until you do.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently behind in my mortgage payments with Nationstar and have a foreclosure sale date scheduled on XXXX/XXXX/16. They are reviewing me for a loan modification and all the requested documents have been provided to them. They are telling me that the sale date may still go through which is why I am reaching out to you. Please provide any assistance in getting my sale date postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # 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 08/21/2017 about Debt collection (Medical debt) with Synerprise Consulting Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Rewards

Complaint: I open a credit card account with American Express by following a link from their website. The link included a promotion for {$250.00} if I spent {$1000.00} in 90 days. I called in the morning XX/XX/2015 right after I applied for the card and spoke with male rep who confirmed the {$250.00} bonus and I applied correctly. He also asked if I was going to use the card right away and sent it expedited two day shipping. I spent the required {$1000.00} within 90 days but I never received the {$250.00} credit. 

I called Amex again on XXXX/XXXX/15 and spoke with representative ID : XXXX and was told once again that all conditions met properly for the {$250.00} bonus. I was told they would look into why my bonus did not post. I called again on XXXX/XXXX/15 and was given a case number XXXX. I followed up once again a few days later and was told I would not get the bonus because I had another AMEX card of the same type. I was told this is in the fine print but admittedly I failed to see it. 

If I was not eligible for the bonus I should have been told this the day I applied for the credit card and contacted AMEX customer service to make sure the account was opened correctly for the bonus. AMEX had two more opportunities to correct this but did not. I would not have applied for this card, which effects my credit score or spend the money on this card if I was told the of the conditions by AMEX customer service. Even if I made the error of applying for the card I would not have rushed to spend the {$1000.00} or if I was told I would not get the bonus and would have cancelled the application on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing disputes

Complaint: I mistakenly underpaid my XXXX credit card balance to Bank of American by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge " as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was " more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/21/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid, negotiated to be removed from the credit report. It continues to show on the XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making my payments on my federal student loans on time every month and do n't see any difference in the amount I owe. I even pay more than my required monthly amount when I can afford it and the amount still only goes down maybe {$50.00}. How am I ever supposed to pay them off and still be able to live and pay my other bills. I had XXXX private loans taken out for school as well and they are all paid off with paying my monthly payments and a little more when I can afford it. My school was XXXX College, XXXX Fl, which is now a XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 30 year fixed mortgage with TCF bank. My monthly payment is XXXX due on the XXXX. I paid it on the XXXX and they only applied XXXX to my principal. the rest went to interest. They distribute my payment unevenly every month. I have never been late. I think the distribution is grossly unfair. I have written to the bank president who said that when the payment is not paid on the XXXX, more goes to interest. I understand that, but {$1000.00} to interest and XXXX to principal? Can you help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2017 about Debt collection (Medical debt) with Central States Recovery, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical services were pre-approved by my insurer XXXX, it was covered under my group health plan. XXXX paid said claim. Central States, the collection company is repoting false and incorrect information. 
Claim was paid, debt now owed. 
Their claim of when account was opened is impossible as I the services were rendered in XX/XX/XXXX and I did not have XXXX insurance in XX/XX/XXXX nor work for the same employer. 
I have contacted Central States and they refuse to accept documentation from the insurance company, EOB or any other documentation to prove it is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Under the new law effective XX/XX/XXXX, 2017 credit report agencies reporting any public records must contain name, address, SSN or DOB in order to appear on credit file. All 3 credit bureaus have failed to update information per new law. Bankruptcy on file does not meet law requirements and needs to be removed from consumers credit file.

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 01/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2015, a court order for arrears in child support was entered. The court ordered judgement explicitly said that as of XXXX XXXX, 2015 a debt of {$22000.00} was owed ( agreement between parties, including " unreimbursed medical expenses and arrears in child support '' ) .The Office XXXX Texas has been reporting incorrectly a wrong balance, that is being paid down every month, and, despite my many emails, phone calls and complaints on their website, is not correcting the wrong information. I had submitted a complaint through XXXX and Equifax ... at first they deleted the wrong info but now they are reinserting the SAME wrong info. 
All I would like is XXXX that the Texas XXXX enters ACCURATELY the judgement and XXXX that XXXX and Equifax reflects this accurate info and did not even VERIFY whether the info was accurate or not. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Managing the loan or lease

Complaint: Took a loan with Big picture loans they continue to change payment amounts and XXXX which I have already paid that amount over XXXX every two weeks since XX/XX/2017 and the payoff is XXXX over XXXX dollars in payments no principle reduction and they say it will be paid off in 3 years

Company response to consumer: Closed with explanation