milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with QUICKEN LOANS, INC. (AZ).
Issue: Settlement process and costs

Complaint: My name is XXXX XXXX, I purchased a property and obtained a conventional mortgage with Quicken loans at XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX on XX/XX/XXXX. I recently received a threatening letter from XXXX County Treasurer regarding unpaid property taxes for XX/XX/XXXX before I even purchased or occupied the home. I have had XXXX contacts with Quicken loans since I obtained that letter on XX/XX/XXXX. Quicken did the research and has come back with an excuse that they did in fact make an error at closing but refuse to cover the {$900.00} plus dollars the future tax lien would be for. Quicken then takes my already escrowed taxes for XX/XX/XXXX and pays taxes for XX/XX/XXXX before I even purchased the home! The Quicken team member and her manager XXXX indicated that the closing team made an error and then put a notified credit on the buyer 's side of the HUD and lessened my closing costs. Quicken also admittedly indicated they did NOT disclose any of this to us at closing, no disclosures, no additional escrow, no payment for past due taxes. They are now threatening default on my property for an error they acknowledge they made. I advised them I would not be covering this, I escalated it as high as I could with the Quicken staff, and they refuse to move forward with remedying the error. 
This is predatory lending XXXX and violation of RESPA knowing I was already tight on closing money coming in, they chose to hide this from me, and never notify me until I found out. They refuse to provide a disclosures or signed documents specifically speaking to the past due taxes, extra escrow, or required payment. If this goes into default, this will put my wife, XXXX young children, and me on the street with no financial means to recover from this. All quicken calls are recorded in which you can listen that they acknowledge the error but wo n't correct. My intention in addition to starting with the CFPB is to escalate this to all regulatory agencies until resolution is obtained. 

My contact information is as follows : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (GA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.

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 01/25/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-09-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (CO).
Issue: Credit decision / Underwriting

Complaint: I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation

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 11/21/2017 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt. 
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I 'm writing due to the incorrect information being reported by Bank of America credit card. Bank of America has reported incorrect information to the credit reporting agencies, that I had gone over my credit limit. When in fact, I had originally put in a request for a credit limit increase, well beforehand, in order to avoid this ; however it was provided 2 months after the original request. See below for more details. 

I have over 25 years with excellent credit, never been late with any of my payments to any creditor, nor have I have ever gone over my credit limit with any of them ; as evidenced from my past credit reports with all three reporting agencies. 

On XX/XX/XXXX, I called Bank of America inquiring about by credit card limit and for a credit limit increase of {$500.00} ; since I was planning to make several large purchases during the next following days. I understood that at the time my credit limit was {$12000.00} and with my new charges it would go over my credit limit by {$250.00}. I figured this would be enough to cover my credit limit overage and leave me with ample available credit, should I need to use my credit card again in case of an emergency. 

On this same day, I charged my IRS tax lien of {$930.00}. On XX/XX/XXXX I made a purchase for a flight ticket of {$230.00} and on the last purchase, XX/XX/XXXX, I paid my school tuition with my Bank of America credit card in the amount of {$1800.00}. Adding all these charges, I knew that it would go over my credit limit ; thus the request for the {$500.00} credit limit increase. Since these purchases, I have not used my credit card ; meaning the requested increase, was only for the purchases mentioned above. 

Upon finishing speaking with Bank of America, I was told that they would get back to me with a decision in authorizing the increase. I never received a phone call, an email, nor any written letter in the mail, advising of their decision. The credit limit increase was not provided until XX/XX/XXXX. Bank of America 's delay in prompting a decision for the increase, then caused me to go over my spending limit. 

My original request on XX/XX/XXXX, was not for {$2000.00} or {$5000.00} ; but for {$500.00} more than enough to cover the purchases mentioned. I do not appreciate that given my years of hard work maintaining my good credit, that through Bank of America 's inaction and failure of not being able to provide a quicker resolution to a credit limit increase, in a timely manner would cause my credit rating to be impacted in a negative way. 

I expect that Bank of America, rectify the information they are furnishing XXXX, XXXX and XXXX, and clear this erroneous information from my credit report. 

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 non-monetary relief
Consumer complaint received 03/19/2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was informed that since I am receiving XXXX XXXX that my student loans ( all ) will be forgiven. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I recently found out that I have a Capitol One card on my credit report. 

I also got a XXXX that I never signed up I contacted them and they did n't want to provide me with a contract, receipt etc. 

A credit card from XXXX and XXXX I do n't remember the rest I found this info out because I applied for a car loan and found out my credit score is XXXX. 

I used to be a XXXX, the company I leased the XXXX from XXXX out of XXXX and after 6months ended up buying it with the help of XXXX they were to get me approved for {$24000.00}, long story short the XXXX company I used to work for did n't agree with how XXXX registered the XXXX and they fired me and told me I 'm XXXX and an XXXX and threatened to report me as if i owe them money to my credid report, which is ridiculous. Company is called XXXX XXXX ( dealer & service ) & XXXX XXXX XXXX from XXXX the owner of the company are XXXX. I do n't know for sure if they reported anything false on my credit but would like to find out.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Debt collection (Other debt) with The CMI Group, Inc. (WI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX at approximately XXXX, Credit Management LC called me, identified themselves as a debt collector, and informed me a debt must be paid to avoid going on my credit report. Upon further questioning, it was admitted to me that they did not own the debt. I requested an address to provide written challenge of the debt and request proof, via certified mail and was informed that they operate out of a XXXX XXXX and could not receive certified mail. They admitted to placing a phone call to me via computer in which the representative could not control, and that I could not be removed from being contacted via computer nor could a call be scheduled by them on a payment date because they could not place outgoing calls. 

This company has made repeated phone calls to me that rang once and hung up or hung up when I answered, on the following dates/times in the last month. XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with Kohn Law Firm S.C. (WI).
Issue: Delinquent account

Complaint: I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Late fee

Complaint: The BarclaycardUS.com Upromise by XXXX card has, XXXX, a deceptive practice regarding payment due dates. ( Many other cards have this too. ) In addition to a date, they also have a time by which payment must be submitted online, else the payment is considered late, and a late fee is incurred. In this case the time is XXXX XXXX. Nowhere on the face of the statement is the time listed. It is buried in fine print on page XXXX with the phrase " Payments made on our website by XXXX XXXX ET will be credited to your account that same day. '' Customer service tells me it has always been written there in the fine print, and I believe them. My point is, how many people actually read the gray fine print on the back of the statements. Should n't, for the sake of clarity, it be required for credit card companies to print any time restrictions on the front of statements, next to the due date that they take the time to print in bold?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Other transaction issues

Complaint: My name is XXXX XXXX XXXX XXXX XXXX 2016 I sent {$910.00} to my little brother XXXX XXXX for the family at Walmart on XXXX XXXX XXXX Ohio, the reference number given to me read error ( unable to look up reference number, transaction can not be received now, have customer contact moneygram..Ac error XXXX ) but moneygram system was reading that the money has been picked up which is not TRUE!!! 
I contacted moneygram over here ( CASE NUMBER..CRM XXXX ) ... .but all they keep saying they looking into it ... they have n't gotten back to me for once to tell me how the issue is being dealt it..now all I want is for moneygram to solve the issue by making sure my recipient has received the money since I was charged for their services ..so they need to hold their end of the contract and deliver the money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mother elected to apply for an equity loan on her house, which had been paid for ( with the exception of a XXXX loan on the property ). After some family turmoil, the present debt collector named NationStar has been threatening foreclosure for awhile, but thankfully, this outcome has been forestalled. It is important to note that the original equity loan was doled out by XXXX. At this point, I have had some serious concerns with NationStar. They are a debt collector, yet claim that they are simply working with XXXX XXXX or XXXX. The customer service has been horrid as I have been informed by the SPOC ( single point of contact ) XXXX XXXX to stop calling him. Indeed, he has n't bothered to help in any way. Finally, I 'm worried and angry that after 20+ years, my mother will be foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other service issues

Complaint: On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Received notification from Transworld Systems Inc, Debt Collector on   XXXX   XXXX  , 2017. Called Debt collector on   XXXX   XXXX  , 2017 to find out more information regarding debt owed. I told them I would need to contact the insurance company regarding payment. Received insurance information on   XXXX   XXXX  , 2017 showing debt paid to creditor. Called debt collector on   XXXX   XXXX  , 2017 and gave them the information. Debt collect will not allow scanned email of insurance information but will allow fax or mail. Both can be unreliably when trying to prove they received the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: This is the XXXX time i have used this system to no avail to get help.the same person XXXX XXXX keeps answering i have asked not to she thinks she is a lawyer and has successfully aruged that NO noi was issued prior to filing foreclosure. something i will pursue. i need a phone call PHOTOCOPIES OF PREVIOUS ANSWERS HAVE DONE LESS THAN NOTHING TO ADDRESS COMPLAINTS AND I AM ASKING CFPB TO MAKE SURE THAT THE SAME PHOTOCPYING DOES NOT HAPPEN AGAIN. I NEE SOMEONE OTHER THAN XXXX XXXX TO CALL ME AFTER XXXX EASTERN TO DISCUSS REMAINING ISSUES. WELLS FARGO REFUSED ME A MODIFICATION AND FILED FORECLOSSURE AND SUPPLIED NO NOI. I WANT HELP THE MOST IMPORTANT PART OF THIS NEW COMPLAINT WHERE PREVIOUS HAVE DONE NNOTHING TO RESOLVE ISSUES AS ALL I GET ARE PHOTOPCIES OF PAPER THAT TOO RESOLVED NOTHING. IS THAT I NEED HARDEST HIT PROGRAM IN NJ TO AT XXXX GET A PAY OFF FIGURE FROM OR A WHAT IS OWED FIRGURE FROM THIS BANK BEFORE NJ SAYS I OWE TOO MUCH. TOO LONG A WAIT. DO THAT TODAY NJ XXXX NEEDS A PAY OFF FIGURE. DO THAT TODAY THEY SENT REQUEST XXXX TIRED OF RED TAPE AND I WANT SOMEONE OTHER THAN MULDOON TO CALL ME TO RESOLVE OTHER ISSUES fui NO ONE ANSWERED qwr FILED IN 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 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address that os not mine is on my TransUnion 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 08/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I opened a secured card with Capital One. When I downloaded their app and made a password and username, my ex girlfriends account was on the app as a payer, who was not authorized. A representative for them said it was a computer error, because we had joint accounts in the past. As of today, I 'm being charged interest and late fees, contrary to what I was told. My attorney advised me to try to work something out, to no avail. My credit report is getting worse because of them.

Company response to consumer: Closed with explanation