milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I was dealing with my lender XXXX for a loan modification, I submitted my documentation only to find out they denied me. Instead of offering me the option to appeal they informed me my loan was being transferred to Nationstar. When my loan was transferred to Nationstar on XX/XX/XXXX it took them almost 2 weeks to get all the information imaged into their system, therefore leaving me no time to explore any options to foreclosure nor did they reach out to me for assistance. Now when speaking with Nationstar I am being informed that they are proceeding forward with the foreclosure sale on XX/XX/XXXX leaving me with 3 days to find a solution. They are refusing to review the documents because they state is is not 37 days before the sale, how am I supposed to get the documents and information when the loan was transferred after the time frame? Realistically, I would have not been able to get them the documents 37 days before because of when the loan was transferred anyways. They are just looking for an easy excuse to foreclosure but I will fight as I feel this is wrong and all my homeowner rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (MA).
Issue: Taking out the loan or lease

Complaint: I had an " interest free '' deal with Home Depot to have a new roof installed. Total cost {$14000.00}. I was down to a balance of {$1100.00} and was continuing to pay the minimum each month as well as interim principal payments. On my XXXX statement I see that HD billed me {$1600.00} in deferred interest since the complete loan as not paid by the end of XXXX. In essence, I was billed {$1600.00} on a balance of {$1100.00}. I call customer service and they claim " this was clear '' in my monthly statement. My understanding from HD salesperson was loan was interest free through XXXX of 2015. Never made clear that if there was {$1.00} of principal outstanding HD would go back and retroactively apply 22 % interest. This is outrageous and abusive. I am XXXX years old and feel that I have been taken advantage of by this huge corporation. Help please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Lender refuses to postpone foreclosure to complete loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have two separate issues. 
1- I have been paying for 6 years and my balance has in some cases gone up. The interest accumulated exhorbutantly while still in school. I do not see how these will ever be paid. 
2- I am in a rate reduction program, for 15 months, and every month they mis-allocate he payments and I get calls and letters telling me I am delinquent, sometimes by a few cents. I call every month and it takes an hour to clear up. Also, last month, they " double dipped '' and took two payments. I consider this incompetence and harassment. It is horribly stressful, and no amount of " working with them '' is helpful. 

The loans, XXXX for XXXX daughters, are with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a phone call on or about XXXX XXXX, 2015 around XXXX from Diversified Consultants about an alleged XXXX bill. I told them that I have no knowledge and further communications with me need to be written and sent through the US Mail. 

I received a collection letter from Diversified Consultants on XXXX XXXX, 2015 that was dated XXXX XXXX, 2015. 

I sent a validation letter to Diversified Consultants on XXXX XXXX, 2015 via certified mail, return receipt. It was received on XXXX XXXX, 2015. 

I was notified that a collection account was added to my consumer credit reports today by my credit monitoring service. When I looked, it was back dated XXXX XXXX, 2015. 

They are willfully violating Section 809 of the FDCPA and I fully intend to seek relief and monetary damages under the above mentioned statute.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DCI s ent an alleged debt notice saying I owed  XXXX   XXXX   XXXX  from my last bill. I sent proof of payment in full of my final bill and a refund check from  XXXX   XXXX   XXXX  to me from my final bill because I had overpaid. DCI is still not removing it from my credit reports after several notices from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For years on many occasions, I called XXXX XXXX to inquire about student loan forgiveness for XXXX working with XXXX XXXX XXXX and XXXX XXXX XXXX. I was continually told, by XXXX XXXX, I did n't qualify because my beginning loan date was before a certain date. 

I found out many years later, all I would have had to do is refinance my loans. I refinanced two years ago, so instead of having my student loans forgiven years ago ( XXXX for 18 years ), I still have eight more years to pay. 

I would very much like to share the details of my story and receive guidance joining the lawsuit against XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with EQUIFAX, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Equifax # XXXX is reporting need to be updated XXXX XXXX XXXX is still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was alerted that on XXXX XXXX a hard inquiry was placed on my credit report with Transunion by XXXX. I did not apply for any credit with XXXX and someone applied for this credit without my authorization. XXXX acknowledged that a application for credit was filed but denied because not enough correct information was supplied with the application. I sent a letter to XXXX saying this was without my authorization and fraudulent and XXXX responded back that they are unable to remove the inquiry and that I should dispute this inquiry with Equifax.

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 10/16/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls after I have asked them to make a note I will call at the end of the month to resolve the account and bring it current. Calls are every few minutes ALL DAY LONG.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with EAST WEST BANK (CA).
Issue: Deposits and withdrawals

Complaint: I bank with Eastwest bank in XXXX XXXX area. They hold my payroll check for two business day and everytime I explained to them it is my payroll check ( computer generated with paystub ) Eastwest bank ( serving majority of XXXX customers ) Eastwest bank still hold for two business day, treating me as new immigrants. 
Many times my checking account was insufficient fund for less than {$15.00} dollars, they inform me the situation by phone. The second I learn the news, I rush to the bank in less than 30 minutes and make a deposit in order for me to avoid a bounced check. But Eastwest bank still charge me {$30.00} for it. It have happened so many times.I do n't understand why Eastwest bank inform me and charge me $ XXXXdollars, every time I take one hour off my work with no pay to rush to Eastwest bank to make {$20.00} deposit and be charged for {$30.00} dollars. I prefer they charge me {$30.00} and do n't inform me my fund is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MN).
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 set up auto pay through my XXXX credit cards website. The only option I could find was " pay in full ''. After several minute of looking around the site I selected the only option available to me. Then several days later I noticed that my entire balance was taken out of my checking account, when I only wanted the minimum, which is what I thought I clicked. Pay in full amount of XXXX dollars that is due, and so forth. They were kind enough in reversing this and putting the money back into my checking account. However, when I went back into my online account to pay what would have been due, it said that no minimum payment was due. I then signed up for auto-pay on XXXX/XXXX/XXXX approximately, and this time the select minimum payment option was somehow very easy to find. Yesterday on XXXX/XXXX/XXXX I noticed a derogatory mark on my credit report that I no longer have a 100 % payment history. I then noticed auto pay was set up for next month, so I paid XXXX dollars to my card right away. I have XXXX late payment on my report for the month of XXXX XXXX. I called XXXX to complain and hopefully remedy the situation, but they said since it was n't a mistake on their end that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (I do not know) with Commercial Recovery Systems (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: CRS Debt collection of XXXX Texas keeps calling myself, my job and my family members up to 5 times a day. They claim I owe money from some kind of loan from 2009. They tell me someone is coming to arrest me, and use abusive language. I have no idea what the loan is for, and they keep calling my place of unemployment and family members over and over. The person today told me to be quiet and listen to him that I am going to get arrested.

Company response to consumer: Untimely response
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.

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 02/27/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Shopping for a loan or lease

Complaint: In XX/XX/2014 I went to XXXX XXXX XXXX to try to purchase a vehicle they try to sell me a new car but I wanted low payments and did n't want to work with me. They had a car in their garage lot which was out of public eyesight they told me it would {$300.00} a month so them not telling me anything about the car and I being clueless I took the car with XXXX miles and it was a XXXX XXXX they left me to me at {$10000.00}. I have been paying over 3 years on the car with finance company Santander Consumer the payments have n't lowered the car is n't even trade able. Less than a month the finance company calls me and tells me my payment is due when in the dealership they never even told me when my payment is due. Now I am looking into a voluntary repossession because the car is not worthed. I can not afford the payments. It 's frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with National Enterprise Systems, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with fraud alerts or security freezes

Complaint: After the Equifax security breach, it is advised that consumer 's put freezes on their accounts with all XXXX credit reporting agencies, yet it is only Free due to the breach on Equifax. Other agencies charge {$10.00}. I feel that since Equifax is responsible, they should pay these fees for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. XXXX XXXX listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.

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 09-08-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Closing/Cancelling account

Complaint: I recently opened a Citi credit card ( less than 2 months ago ). I started using it normally with no problems at all. Approximately 2 weeks ago my card stopped working without any notice what so ever. This is when I had one of my worst experiences with banks. I tried to reach someone to speak to for days, when I reached someone to speak to, I was told they do not know what is going on, they hung up the phone 2 times! After some days the card started working again, and again without any notice at all. Then after some days it stopped working again, when I called to inquire they told me my account is being closed! 

Apparently someone decided to close my account, probably because I requested to make a complaint, which by the way was not filed. 

I believe that such careless handling of customers ' credit lines is something extremely sensitive, and it would also affect my credit score negatively.

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 11/17/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.

Company response to consumer: Closed with explanation