milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/2016 A week ago we got notice that our house was being foreclosed by Nationstar bank. We had been working on a modification of our loan and after losing our applications three times by facts as they wrapped up interest charges on our loan, XXXX XXXX, " our dedicated loan specialist '' told us that if we made six consecutive payments within a month without being delinquent we would then move on to the modification. We complied " to the letter '' and sent our checks of over {$1200.00} every month as instructed. Now we are told that we never made the payments although our bank statements say the payments were processed so we have proof. As an aside, XXXX XXXX called a while back, and not knowing ( or maybe he did ) he laughed the ENTIRE message and never said a word. No one seems to know where the money went! So over {$7500.00} is lost into thin air! In the length of time it would take us to find out what happened and remedy it if possible, we would lose our house completely without making a XXXX of the {$220000.00} that we put down on the house. So we Sold it immediately so that we do n't lose profit in the amount of approximately {$150000.00}. We were lucky to have a buyer, I guess. There is more to the story and all along the way we 've been lied to as it turns out. At one point, four months we could not contact anyone at nation star because every single XXXX number directed us back to someone that no longer worked there. So now, we are losing the beautiful house we love and have to be out of the house by XX/XX/2016. We are devastated. If there is anything you can do to help us we would be ever so grateful. We never thought something like this could happen to us, but it has. When this all began a YEAR AGO, we were one payment behind and could n't make it up. This IS an urgent matter, and if someone could get back to us as quickly as possible, we would be so so grateful. Our contact information is listed above in my name to be the person contacted. Again our number is XXXX and my name is XXXX XXXX. Thank you in advance! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have had numerous problems getting Equifax to fix errors on my credit report. They take a long time, do not do a proper investigation and are causing me distress and financial problems. I am unable to secure housing for my son and myself because they will not fix the errors. I am going to have to retain an attorney to address these issues in court but that is going to take months. Meanwhile the damage continues to affect my livelihood. Below is the list of errors:1. For 5 years they reported a charge off account on my credit report twice. For 5 years I disputed this error and they never corrected it. I was informed by the creditor that Equifax was aware of the problem but never took the necessary steps to correct it. 
2. I had an account with XXXX XXXX which was paid off XX/XX/XXXX. Equifax continues to report this account as being open and XXXX days late. This is incorrect. 
3. I had an XXXX account that is paid off that they are reporting as a charge off. THe other XXXX credit reporting agencies are reporting it correctly, the account is paid and closed. 
4. I have another account with XXXX Bank whic Equifax is reporting as a charge off. They claim the last activity was XX/XX/XXXX but have no payment activity recorded prior to that. They dates of last activity are incorrect. Again, this account is past the statute of limitations and should be deleted from my file. However because Equifax has the wrong information they have not done so. They had removed it once but then it was reinserted. 

I have asked them to investigate every negative entry on my credit file because of their errors I need to have every account investigated to ensure that the items are properly reported. I am a XXXX veteran, and a single mother trying to provide for my son and this is threatened because Equifax is negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: Non authorized charges to my checking account using my debit card number. Called same day the charges happened and said will be two days to get the charges reversed. Fraud department has not called me and when I call in can not talk them directly always get will call you. Three days have gone by with no emails or phone calls. The money in my account was there to pay mortgage and electric which I did online before this happened. Have not heard from them yet. Do n't understand how the charges went thru with out any questions being from an Airline overseas.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My name is XXXX XXXX. Your collection agency is reporting an alleged account that does not belong to me. I am demanding account-level documentation to verify this alleged account as mandated by a recent XXXX opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Struggling to pay mortgage

Complaint: I am writing because I am one of many citizens that are in a status in which HARP does not help but yet, we suffer from the same problems. I bought my house back in 2005, shortly before the fall of the housing market. Like millions of others, I was under water ( almost by 1/3 ) as soon as it happened. I have not been able to get any help at fixing my situation and am worried about losing my home and maybe even having to go bankrupt. Not something that is appealing to me. I am not trying to reduce what I owe, I just want to get into a situation where I am not at risk by the rise of the interest rates. I understand that it is because of my ignorance and not truly researching my options when buying my home. It was just a dream and the builder made it so easy to get into the house and told me I would be able to refinance within a year. Well, that opportunity never presented itself after the decline in the market. I am a veteran and should have used my veteran 's benefits, but did not. I am not sure why we are excluded from the help that millions of others that just happened to use XXXX XXXX or XXXX XXXX are provided.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX claims I owe {$21.00} on a cancelled XXXX auto insurance policy. My family and met with XXXX XXXX and bound AUTO Insurance before insurance lapse with XXXX. There has been XXXX ( XXXX ) attempts by XXXX ( XXXX ) people to resolve this with XXXX. XXXX now has put the above debt into collections. 

To date, XXXX XXXX, 2015, and to my knowledge, this issue has not been resolved and is costing me time, money and stress with their written threat to tarnish my credit by XXXX XXXX, 2015 should this fraudulent debt {$21.00} not be paid by XXXX XXXX, 2015. 

Please assist me in communicating that this debt is n't owed and to reimburse any and all monies due to me. Thank you!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midstate Collection Solutions, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company continues to update to opening date on the account, ive tried to dispute results come back same everytime, they are in vilolation 605c. This debt is 6 plus years old and they continue to update it every six months. Someone must have used my id to purchase a tv from a loan company, ive neve used such company i have foughy this debt numerous times. Finally deciding to let it roll of my credit history after 7 years, except they keep refreshing it and continueisly is hurting my credit score. I refuse to pay such a debt that i know i havent accured. Ive been working on fixing my score my bad decisions as a young man, im completely caught up besides this reoccurring issue with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Mortgage (VA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (TX).
Issue: Trouble during payment process

Complaint: I have contact my lender (   XXXX   ) numerous times concerning the delinquent mud tax for my home. I have faxed the tax document twice and emailed it on   XXXX    XXXX ,2017. They have given me the runaround and have not paid the tax. There has been interest and penalties attached to the bill.
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Delinquent Taxes for Account [ Incident :  XXXX  ]

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Identity was stolen, and inaccurate information is being reported by credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have requested a copy of an accurate balance and original promissory note with my signature. I have only received letters stating this loan is protected by the government. I have to receive the information I requested. It has been 17 years since I had a loan. I would like an accurate account of what I owe and the original promissory note stating what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Other transaction problem

Complaint: I closed out my Capital One IRA, with a form detailing the external account info that the funds were to be transferred to. Capital One sent me a letter explaining that the IRA distribution was completed on XX/XX/XXXX. On XX/XX/XXXX the funds still had n't shown up in my account. I then made a series of calls to Capital One trying to locate my IRA funds. 
Problem # 1- Customers CAN NOT speak to anyone in the IRA ops dept, I was told this many times ( and quite forcefully ). 
Problem # 2-I was told that the funds had n't returned to Capital One, so there was no problem on their end. 
Problem # 3- I was told I would receive a call back by end of business on XX/XX/XXXX, did n't happen. 
Problem # 4- I was told I would receive a call back first thing on XX/XX/XXXX, did n't happen. 
Problem # 5- On the morning of XX/XX/XXXX I was told an investigation would be opened, on XX/XX/XXXX I was told no investigation was opened. 
Problem # 6- On XX/XX/XXXX a supervisor very rudely told me that she did n't know why I was promised calls back in those time periods, they do n't do that because things like this can take 24-48hrs or longer to solve. 
Problem # 7- The same supervisor told me repeatedly ( and forcefully ) that there was no trace ID. *All ACH transactions have a trace ID. 
So today I call Capital One again, the person I spoke to told me that my case was closed because " there was no trace ID ''. I was also told that my 2nd case was closed because my call back number, that I confirmed TWICE, was disconnected ( it is n't, it 's the same XXXX phone I 've made all these calls on. ) Now I call XXXX XXXX XXXX ( ending point for the funds ), explain the situation to them and Capital One 's unwillingness to help. Turns out there was a series of zeros that should n't have been in front of my account number on the ACH from Capital One, so XXXX returned the ACH to Capital One on XX/XX/XXXX, and XXXX gave me the trace ID for the ACH return. I give this info to Capital One, and their reply is " We do n't have the return, it can take 5 business days to process '', ACH is at most an overnight process.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (PA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a discover credit card and the company closed my account because I payment got returned due to NSF.. But what is mind blowing during the time the payment was made no payment was due and my account should have had a full positive balance. I disputed some transactions that were fraud and the claim was closed and all the monies was credit back to the account .... Discover should have never closed my account. I want either my XXXX security deposit returned to me immediately or a just like the letter the company sent saying that they have established a new account for me, but when I call they something different .... I would like for the account to be reinstated and a new card sent out to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a loss of my job and other financial issues my mortgage company at the time XXXX began the foreclosure process on me. On XXXX XXXX XXXX I spoke with XXXX at XXXX XXXX in the Loss Mitigation dept. she said we could do a trial payment for 3 months, then it will be reviewed for a loan mod. On XXXX/XXXX/XXXX I spoke with XXXX at XXXX, she said our loan modification was denied and for us not to make anymore payments. 
In XXXX of XXXX we discovered we might have a sinkhole on our property and filed a claim with our XXXX XXXX XXXX XXXX. They did a survey of our property with special X-ray machines and stated we did n't have a sinkhole, our attorney hired a specialist who had a lot of questions about their reports. After a lengthy process we finally settled out of court in XXXX of XXXX and received a settlement check for {$160000.00} Our attorney XXXX XXXX advised us to not sign the check and send it into XXXX without having some type of signed written agreement on how it would be split up, he had a previous client with the same issue that we had and XXXX took the check and paid off his mortgage and did not leave the client enough money to repair the house. 
. Our new attorney XXXX XXXX was hired and he contacted XXXX to try to get an agreement on how to handle the division of the check ( he had to file an XXXX XXXX ), so that we could avoid racking up late fees on our mortgage etc. We had numerous hearings with the Honorable Judge XXXX XXXX, he would ask XXXX/SPS ( at some point XXXX sold or transferred our mortgage to SPS ). to bring someone to the hearing with the authority to make a decision on this and they never would, ( this happened quite a few times.So the case kept getting postponed meanwhile our late fees and interest kept adding up. 
Finally we agreed on the division of the check in XXXX XXXX ( see attached court documents ). We finally got the house fixed and moved back in on XXXX of XXXX. The problem with this is we had to come up with {$13000.00} of our own money to cover our expense when we moved out of the house for repairs. Per the joint stipulation agreement we were to be out of the house for 3 months and it would be finished and we would move back in. The delay by XXXX / SPS in getting the check to the XXXX caused the delays that cost us the $ XXXXXXXXOn XXXX/XXXX/XXXX we hired a new attorney XXXX out of XXXX Florida . 

In late XXXX XXXX I received a letter from SPS dated XXXX/XXXX/XXXX that we have been approved for a HAMP Tier 1 Trial Modification, the problem is they have made several errors in there calculations of what my home is worth and my income. 

XXXX/SPS has repeatedly disregarded what the judge in our case ordered and was never held accountable to this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My wife and I received our US tax refund check, and deposited it into two of our accounts. The receipt for the deposit to my account is for more than was credited to my account, according to my account statement. No correction was made by the time of my next month 's statement, so I went into the bank for an explanation. They have no explanation, and say they are doing research to account for the difference. Meanwhile, they can give no date for the resolution of this problem, only to say that they are doing research and when the research is complete they 'll have an answer for me. I think that having to wait indefinitely is inappropriate but they refuse to give a date by which the problem will be settled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: On  XXXX , I purchased a   XXXX    XXXX   XXXX  with  XXXX  miles on it with a rebuilt title. I disclosed to USAA that it was rebuilt title. The only reason I bought the vehicle was because they also sold me a  XXXX  mile warranty for the vehicle. I would not have bought the vehicle otherwise.   on  XXXX , I brought it to the dealership there was a sensor that needed to be replaced and should have been covered underneath my warranty. I was told it was not,  XXXX  who owned the warranty said they do not cover rebuilt titles and refunded me the cost of my warranty.   USAA stated they would give their phone associate remedial training, but I am now stuck with a vehicle I do not want because I have no warranty on it. I would not have bought the car if I could not get the  XXXX  mile warranty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 disputed a collection on my Equifax report several occasions and have not gotten a resolution. I paid a collection from   XXXX   XXXX   XXXX   for {$240.00}  ( {$250.00} w/ fees ) o n  XXXX   XXXX ,  2016 . It is being reported on my Equifax report as being open and the full amount owed. I called  XXXX   XXXX   XXXX  and they report the account as closed and say that Equifax never contacted them in regards to the dispute I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!

Company response to consumer: Closed with explanation