milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2016 about Mortgage (VA mortgage) with RMK Financial Corp (FL).
Issue: Settlement process and costs

Complaint: This is concerning loan # XXXX with R.M.K.FINANCIAL CORP. D/B/A MAJESTIC HOME LOAN. IN XXXX I COMPLETED A LOAN APPLICATION AND WAS EXPECTING TO CLOSE THE LOAN IN XXXX, 2016. AT THAT TIME THE CLOSING COSTS WERE APPROXIMATELY {$10000.00} AND WE WERE GETTING AN ESCROW CHECH FOR APPROXIMATELY {$1000.00}. THE LOAN DID NOT CLOSE IN XXXX AND FINALLY CLOSED XXXX XXXX, 2016. CLOSING COSTS HAD RISEN TO {$14000.00} AND THE ESCROW CHECK WAS {$56.00}. I WAS NOT ASKED FOR ANY FURTHER INFORMATION DURING THIS PERIOD AND CAN NOT UNDERSTAND WHY THE LOAN TOOK SO LONG TO CLOSE AND THE CLOSING COSTS ROSE {$3000.00}. WOULD APPRECIATE YOUR LOOKING INTO THIS MATTER. SINCERELY, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL. XXXX TEL. XXXX E-MAIL XXXXXXXXXXXX. XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was paying this card on time each month and the balance increased and I had a freeze on account and I have no idea how that occurred then each time I would call to resolve the issue so that I can continue to make payment on time because I was fixing my credit score now it 's a negative item on my report that 's affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CT).
Issue: Managing, opening, or closing account

Complaint: I ca n't believe a system upgrade on XXXX XXXX, 2015 is still having glitches. It took me 4.5 days to get them on the phone so I can ask what is going on with my account. And when I did get a hold with someone they could n't answer my question. They told me they were working on it. Customer service rep needs training. She got me more upset by having no knowledge as to what was going on. Just that it 's being handled. I asked what the ETA was or a ball park ETA once again I was told I do n't know. I asked a couple days, weeks. months????? Once again the response was I do n't know. They need to get together. Who in the world upgrades their system and not have knowledgeable technical support to fix the glitches. It is now XXXX XXXX 2015, still not resolved. Please hire a real technical staff to fix this or you wo n't have any customers left. This has been frustrating and stressing. I have had anxiety issues over this. This kind of service is inappropriate and disastrous to your business. I want any fees back and credited to my account asap. Also the day of the upgrade it stated I had money in my account, then hours later it stated I had a XXXX balance. I yet still have n't seen where my money went. PLEASE FIX THIS. Hire compentent employees, compentent IT technical support for upgrades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After repeated attempts in XXXX and XXXX of 2016 to make an extra monthly payment of {$350.00} on my student loan online I called Navient to attempt to make a payment over the phone. The Customer Service Representative I spoke with in XXXX told me I was unable to do that because of " company policy ''. Then I called again in XXXX to try to make another payment over the phone and after haggling with rude CSRs again they told me my payment of {$350.00} would go through. After checking my account balance on XXXX I found that, though they did process my payment of {$350.00}, they made an unauthorized additional payment of {$350.00} without my permission. 

When I want to make extra payments they tell me I ca n't make one. When I do n't want to make extra payments they take my money without my permission. Their customer service staff is rude, dismissive and unprofessional. Their payment staff is ignorant and completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XX/XX/XXXX I was surprised to find a much lower than expected balance in my business checking account. I was concerned that fraudulent activity may have resulted in unauthorized use of the funds in my account. I spoke to my bank and was told that with all pending and processing transactions I had an available balance of {$200.00}. I thought the balance was significantly higher. Though I was departing on vacation, I was confident that further fraudulent activity, or any further withdraws for that matter would be impossible due the fact that I had not affirmatively opted in for overdraft protection for ATM and debit/pos transactions. The logic being, even if someone did have my information that the bank would not authorize any subsequent transactions because after an ATM withdraw of {$180.00} my available funds should have been less than {$20.00}. I confirmed with my banker that I was not enrolled in overdraft coverage either through a connected account or the more common {$35.00} fee per transaction. I was shocked to see upon returning from my vacation that my account had a balance of - {$1100.00}. Not only was I unprepared for the overdraft fees associated with the transactions that brought the account negative I was confident that any transactions ( some of which do indeed appear fraudulent ) would be able to be debited against my available balance. This has left me in a dire financial situation. I went into the branch and confirmed that overdraft coverage was indeed not authorized on my checking account and the banker could not explain why the transactions ( which were charged {$35.00} overdraft fees as well ) were authorized. This is very distressing since I made financial decisions as well as a decision to postpone assessing prior transactions on the reasonable assumption that my account would not be charged anything past my very low available balance. This has left me in a difficult financial situation made even worse by the fact that any deposit made by me must first be used to pay off a negative balance and associated fees. Furthermore, my banker can not tell me why or how these transactions were authorized. This means I literally only have the downside of overdraft coverage and none of the benefits.

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 monetary relief
Consumer complaint received 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   XXXX    , I submitted a request to Experian that they provide the method of verification on  XXXX  inaccurate accounts listed on my credit profile. This request was sent via certified mail and Experian received my request on   XXXX  . As of  X/X/17   , I have not received the requested information from Experian and the inaccurate accounts still remain on my credit profile and the results still remain as pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Hi. I 'm not sure that this is the right direction to go, however I 'm out if options with this company. Nation star Mortgage is in process of ruining my credit. I can not get a rep or supervisor over there to help me remedy what should be a simple situation. Our mortgage was sold to them. We set up auto deduct and every month for about 5 months now, they have not been able to get my account set up correctly. 

When it was originally transferred from XXXX I was told I needed to do nothing and that auto deduct would occur. At this point I 've spoken to XXXX cust serv reps, and XXXX supervisorsWith no resolve. I 've been lied to, hung up on, and all I want them to do is debit my savings acct each month to pay my mtg. You can see through my bank statements that the money has been sitting there waiting to be deducted. Each time I 'm told that it 's taken care of it never is. I 'm not sure if I should get an attorney involved or what. I really want someone else to service this loan. I have no way to resolve this on my own. There must be a history in my account a mile long from all of the conversations. I feel like I should be paid as an employee of theirs because I 've spent so much time on this. 

I was told by my bank that it 's an internal coding error on their side, which apparently no one there knows how to fix. I have never been so frustrated or disappointed with a company 's performance in my life. At one point I had the bank and the mtg company on the line and they talked, figured out the issue and there is still no resolve. Funny thing is that when I 've called in after noticing the deductions have n't occurred they are able to pull the money internally ( from nationstars end ). So, you can see there is no issue with the account. My savings number never changed .. It 's always been the same. We use nexttier bank. I would simply set this up through another account if I thought it would help but I have zero trust in this company and quite frankly at this point even if they told me it was resolved I know it would n't be. My husband has direct deposit specifically for this mortgage and we set up auto deduct so we would never be late. Now look where I am. For us to change that over to another account just because nation start ca n't code a savings as a savings is absurd, also as an aside the rep I spoke to at the bank new immediately what the issue was be used it happened to her as well. I found that very ironic. 

Please help and let me know where the consumer protection from this sort of thing is? I 've set this account up numerous times and have even had them walk me though it. I pay plenty of bills online and automatically, and I 've never seen such incompetence in my life. I have also contacted the XXXX in XXXX Tx which is where I assume their headquarters is according to the billing address. 

I appreciate your help! 





Sent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (I do not know) with Trident Asset Management, L.L.C. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent a verification request to the debt collection agency and they failed to verify the debt within 30 days, therefore violating the law. they only sent me a new bill requesting I make payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I was laid off my job in XX/XX/XXXX that I was at for nine years. I started receiving state assistance by the state of Delaware. It seem there was an overpayment in XX/XX/XXXX or XX/XX/XXXX. The state claimed they sent me a letter in XX/XX/XXXX to an address I was no longer at and some one signed for it. 
when they had a correct address for me.XX/XX/XXXX my son was still receiving XXXX. never received the letter at the correct address that they had for me. The debt was paid by me from my income taxes that were intercepted. 
this is how I found out. I have been working very hard to clear all my debt one at a time since regaining employment in XX/XX/XXXX with better income to allow me to clear my debt one at a time. I have done a pretty good job. I am in the process of trying to obtain a mortgage I have written all XXXX credit bureaus explaining how this judgment is hindering me from obtaining a mortgage, XXXX and XXXX has removed it from my credit report I have made several attempts with Equifax to remove and they have n't and continues to update my credit report with it every month that drops my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Checking or savings account (Checking account) with KEYCORP (OH).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I would like to have my bank KeyBank be able to work with active hours the app so I can quickly be able to receive my paycheck earlier than usual.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX new accounts were reported opened under my name by TransUnion as follows : XXXX ( Acct # XXXX ) and XXXX XXXX ( Acct # XXXX XXXX XXXX ). These accounts do not belong to me. I did not open these accounts. 
I was reported delinquent on another account from XXXX XXXX ( Acct # XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. This account does not belong to me. I did not open this account.

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX has been showing a closed account on my credit report since XX/XX/XXXX 2013. I have made several complaints and phone calls throughout the years to resolve this matter. I have reached out to the credit bureaus to send proof or validate information. Per the notes listed on my credit report XXXX XXXX XXXX  no longer owns the account, the account is a XXXX balance and the account was sold to another lender. Yet this negative item remains on my credit report without any validation which is against the law! I need proof. Remove this off of my credit report. I am fixing to get a lawyer since nothing has been done.

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 10-06-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt for {$860.00} placed on all 3 credit Bureaus. I did not receive notice of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In the early part of XX/XX/XXXX we changed insurance companies because we got a better rate by combining our homeowners with our auto insurance. We prepaid the premium, cancelled our old insurance and notified Loancare. We asked them to remove the old insurance from our mortgage escrow payment since we now pay it directly from our bank account and sent them proof of coverage. They refused to accept our mortgage payment unless we also included our old insurance premium even though they have the verification of coverage from our new insurance. We are currently a month behind in our mortgage because of their refusal to follow through. We have repeatedly called with no results. We were told a supervisor was not available but we would be called back. We have not been contacted but have been told several times that our problem was being reviewed.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have disputed Federal tax lien ref # XXXX with Transunion twice and even filed a CFPB complaint about how incorrect the item is reporting. The same item has been reported by the other credit reporting agencies and was REMOVED due to the incorrect information being reported. The filing date and even the amount is incorrect and this lien is not in any way, associated with my name, social, nor my DOB. This item must be removed 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 08/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NE).
Issue: Problem adding money

Complaint: 21 days ago ( XX/XX/XXXX ) I transferred XXXX XXXX from a XXXX XXXX to my Coinbase wallet with XXXX XXXX of fees. On the blockchain it shows that I have received the amount 21 days ago and also XXXX confirmations have gone by. I have contacted the support line multiple times and nothing has gone through. It still shows as " pending '' on the Coinbase side of things

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : Can you tell me how to get information on my mineral rights that I purchase for my land that my home was located on at XXXX XXXX XXXX, XXXX, XXXX. XXXX.I had XXXX-little checks from the oil and gas while in the house.I went on a two week vacation to XXXX and when I came back the house was broken into by Flagstar Bank.I do not have any information on the company.I want to locate my mineral rights checks and hope it is not going to Flagstar Bank.Thanks for any help I can be reached at, XXXX XXXX , XXXX, 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 05-08-2015 about Debt collection (Credit card) with GC Services Limited Partnership (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am in remediation for debt collection. Some creditors have settled. They have not. They are only supposed to contact me through the lawyer, but I am getting harassing calls on my cell, at home and at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I opened a credit card in-store at a XXXX XXXX Department store in XXXX, California. From there, I never received the card in the mail, so I was unable to pay the card or login and could not contact anyone for help from the # 's provided on the internet. 

I paid the card off in-store with a debit card, and told them about the problem, they sent me another card which I 've had for a while now ending in XXXX. 

Today I received a call and they informed me, unknown to me, that I have a XXXX credit card ending in XXXX, which I have never received a statement, card, call, or email for until today. This new card unbeknownst to me also has a very past due balance they 're just now informing me about as well that is over {$1000.00} XXXX. 

I can not help but feel that assigning a new credit card, transferring the balance of, and not informing a consumer is probably considered predatory lending, and would like to ensure that : XXXX, XXXX XXXX Credit Card, XXXX Stores, or Amex who are all associated with the card do not continue this practice. 

I 'm unsure if I truly owe the amount they are stating that I owe and have sent to collections ( {$1100.00}, or XXXX, they told me multiple different amounts on the phone ) as I paid it all off in-person to avoid having to use this card again after seeing that they did not have normal business practices or customer service. 

I am very disappointed in the hours of time that opening a simple department store credit card has caused me to lose dealing with them on the phone, or attempting to login to their poorly built website online. 

Thank you very much for providing an agency or group to review and monitor these types of businesses who waste time, money, and impact credit reports for Americans. 

Thank you, -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 03/14/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Credit card protection / Debt protection

Complaint: I checked my recent Best Buy credit card statement and saw I was getting charged a debt protection charge on my bill which I do n't remember agreeing to pay. When I called bestbuy they could not even tell me what it was they forwarded me to another number to call. I called that number to find that it was meant to protect me if something unexpected happened. I do not remember agreeing to this debt protection plan, my brother who was a joint person on the account also does not account agreeing to that plan as he would have been able to catch my back if something were to happen and I could not afford payments. I later learned I have been charged this fee since XXXX/XXXX/2011 without knowing because I have paperless billing.

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 monetary relief
Consumer complaint received 04/28/2017 about Debt collection (Federal student loan debt) with Eastern Revenue, Inc (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: on  XXXX   XXXX  through  XXXX  i saw that  Eastern Revenue in c removed an account of {$6000.00} from report. They changed the reopen date to  XXXX / XXXX /  XXXX   when it was orignated in  XXXX . a few days later they put it pack on my report  XXXX / XXXX /  XXXX  . i have not been in school for 7 years so they can not continue to report this account it must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation