milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Student loan (Non-federal student loan) with Capital Management Services, LP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Starting in XXXX 2016 my husband and I have been receiving phone calls from XXXX, Capital Management Services wanting our social security numbers and birth dates. I asked them what this for, they said unpaid debt, and I told them my husband had a XXXX XXXX and has XXXX and to explain to me. I would not give them a ss number but did give a birthdate which was not his and told them to cease and desist. A supervisor told me they had the wrong party and they would comply. Now we are both getting these unrelenting calls again, days, nights, weekends several times a day. Now they say unless I give them ss numbers they will not stop. I said you have our address and to put this in writing. I ask where they are located to send a cease and desist and they will not give it to me. I am not releasing any personal information over the phone to Capital Management Services. I am assuming this is a college loan but I am really not sure what type of loan it is because they will not divulge any information to me regarding this collection. I ca n't describe my issue because I do n't really know what it is. Also, they do not have permission or authorization to use our cell phones. This is not our debt! They have the wrong people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a series of erroneous, credit-damaging late fee payments reported by HSBC on an overdraft account dating back to   XXXX   -- that I did not know existed.     HSBC has, for 7 months, stated that they would resolve the issue and instruct the credit reporting agencies to remove this erroneous information from my account.  (   See  HSBC communication attached. ) They have failed to do so, and my credit report still carries a major delinquency in the form of a 180 day late payment -- which never existed and was generated  by HSBC a s a " processing error. '' The damage to my credit has not been resolved nearly 1 year later, causing me higher mortgage rates, car payments, and the potential loss of a job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Macy 's ( o nline here :   XXXX   XXXX   XXXX   XXXX   XXXX    )   and at their  XXXX   XXXX   XXXX  location ( in  XXXX , NY, where no one has cars/trucks/etc, which will be relevant ), advertises up to {$100.00} off purchases made when you open a new card. The purchases must be made within 2 days of opening the card.  <P/> I went t o Macy 's to buy a mattress that was cheaper because of this {$100.00} offer and opened a card. The interest rate is  ridiculously high, and so I opened the card only because of this offer.  <P/> The in-store person I dealt with handled the entire transaction - he answered questions about the mattress, set up the credit card application, processed it, and set up delivery date. I did not speak with any other representatives, there were no opportunities for a store rep to misunderstand what was happening.  <P/> The associate told me the credit would appear on my first statement. I waited unti l 2 s tatements had come, and nothing was there.  <P/> I calle d Macy 's customer se rvice and was told that the issue was that the mattress was purchased on the day I applied, but only charged on its delivery date. At no point when applying for the card was I told this, and even after confirming the delivery date the salesperson continued to say that the total would be {$700.00} rather than {$800.00} because of the credit.  <P/> The phone representative claims that they will process the {$100.00} credit, but given how unethical their behavior has been I do n't fully trust that.  <P/> They continue to advertise this promotion on their website and in store, without any notes about this major limitation. I did n't buy anything other than the mattress set, and there was no ambiguity about why I was getting this card.  <P/> I now have a hard pull on my credit rating for 2 years for a discount tha t may never come through, and this company is continuing to take advantage of anyone who goes to them to make a major, large purchase. I do n't know about Macy 's locations elsewhere, but the perce ntage of sales of large household appliances and things like mattresses that are done carry-out in  XXXX  is minuscule, so there is no excuse for not being aware that the offered discount would not apply.

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 01/27/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : Nationstar Mortgage XXXX ( XXXX ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing a compliant against Credit Bureau    XXXX , on  XX/XX/XXXX  I disputed a Fraudulent account on  XXXX /   XXXX    my credit report ... thru  XXXX  &  XXXX  ,  XXXX  sent results back as verified and belonging to me, however  XXXX  deleted the account. I also sent a debt validation letter to  XXXX /  XXXX  and receive a letter stating they will be no longer collect on this account,  XXXX  has not as of  XX/XX/XXXX  removed/deleted this from my credit report.
 XXXX / XXXX  account #  XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Debt Collector ( s ), Obligors, Debtors XXXX and XXXX XXXX are attempting to collect an alleged debt of the Consumer. The named debt collectors are engaged in illegal acts by simulating a judicial court affiliated with the United States. The debt collectors were served numerous notices under federal consumer statutes but fail to comply. The debt collectors are attempting to seize the private property, consumer goods of the Consumer under the guise of Foreclosure which is not being performed in a competent judicial district under 15 USC 1692i. The debt collectors are not exempt pursuant to XXXX, XXXX under federal law. This debt collector is taking illegal non judicial actions in violation of the FDCPA, 15 USC 1692, Identity Theft, XXXX. The FTC has a report by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Debt collection (I do not know) with Amsher Collection Services, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collection from this company appeared on my credit report. I received no communication from them and don't even recognize the debt - I had no opportunity to work with them to figure it out before they reported it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I owed a debt to XXXX XXXX XXXX, Account # XXXX. I paid this account in full, XXXX balance, per the attached letter. Equifax has been notified many times, and refuse to change verbiage or balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other fee

Complaint: On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit line increase/decrease

Complaint: I have freedom credit card from chase for more then half year and they told that I can increase limit on the card today I spoke with custome care represent XXXX even and he told me after 1 hour verification that congratulation your line encrees from XXXX to XXXX when I call back in one hour to check balance nothing happen nobody did anything. Our conversation was recordet and I need. Help to request this tape to prove that they promise and did n't deliver

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-11-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (TX).
Issue: Closing on a mortgage

Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX See above Complaint.  Please note that on XX/XX/XXXX, The Judge signed " Order to Foreclose '' on my legally homestead property. The Judge did not review any of my evidence that was submitted during that hearing. The XXXX Master Participating Trust, XXXX XXXX, XXXX. Trustee and Caliber Home Loans,  Inc. sent letters in XX/XX/XXXX through XX/XX/XXXX notifying that XXXX XXXX would no longer be the owner or servicers. 

The Instrument filed to record the transfer and assignment date XX/XX/XXXX is not recorded correctly on XX/XX/XXXX. 
I will upload the next complaint in which it shows they paid a fine and class action regarding the 2 class actions brought against them. They have modified payments and contracts without my signature and/or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank calls nearly 20 times daily, starting at  XXXX  on behalf of Walmart. After being told that I am unable to pay right this minute and that I will get everything caught up with in 2 weeks, they continue to call from many different numbers. After blocking the visible phone numbers, they 've started calling from unknown caller id. So far just this morning they have already called 6 times wishing 2 ho urs.

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 07-04-2015 about Debt collection (Payday loan) with Servatus Corporation (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Collector is attempting to re-age a XX/XX/XXXX debt by reporting to credit bureaus that it was opened in XXXX XXXX and to make matters worse reporting that the account went into default in XXXX XXXX, moreover they also claim that the first date of delinquency occurred XXXX XXXX. The the payday loan was originated in XX/XX/XXXX but XXXX solutions has re-aged the account and has confirmed the above dates to all XXXX credit bureaus. They have also claimed that they just found me in XX/XX/XXXX XXXX solutions is in clear violations of FDCPA. I have contacted all XXXX Credit bureaus regarding this matter and XXXX and XXXX and they have failed to abide by the policy in place to prohibit such reporting. I would like this erroneous item to be removed by both bureaus. I have went through the steps of contacting the bureaus but they have just taken the word of the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
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 received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from 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 non-monetary relief
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I opened a claim in XXXX, XXXX against Wells Fargo Home Mortgage. I am currently awaiting a response, confirmation, and a refund/credit of a large sum of money owed to me. The last communication from Wells Fargo in mid XXXX stated that they expected to have a resolution by XXXX XXXX. To date, I have not received any email, phone call or message, or letter with any resolution to my claim. Communication has gone cold. 

My primary mortgage was sold from Wells Fargo to XXXX. The original HELOC, now a 2nd mortgage, was not sold, remains with Wells Fargo, & the balance due is inaccurate. There is an ongoing dispute and supposedly an active investigation into a {$20000.00}  payment that I paid by cashier 's check to XXXX XXXX before XXXX XXXX was sold to XXXX, then acquired by Wells Fargo. I provided evidence of the payment & Wells Fargo has been unwilling to credit my account or pay me back the unapplied funds. Instead, they issued a sale date based on {$6000.00} that appears unpaid due to this dispute. Wells Fargo has failed to identify where they applied the funds ; however, they were never applied to my HELOC or 2nd mortgage account. They have also been unwilling to enact any sort of resolution. They have been unwilling to accept payments for the past year. They will not consider a new modification. The amount of money Wells Fargo owes me far exceeds the amount of money I owe them. Account # # 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 03/16/2017 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Making/receiving payments, sending money

Complaint: My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to them.

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 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Adjustment Service, Inc. (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a call from a representative with Diversified Adjustment Service regarding a debt with XXXX. I was informed that there is a {$12.00} processing fee per payment, and if I had wanted to make multiple payments to settle the account I would have to pay the fee each time. I asked the rep if this could be waived and was told it could n't. I said I would start setting money aside and asked if I could be called back in 6-8 weeks, I was told " Good luck with that, You have one week '' and then the rep hung up. I felt this was threatening and rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I 've now been out of Navient 's autopay system for two months. The reason I declined autopay was because, all my loans were lumped into one payment. I wanted individual loans so I could pay more than my minimum payment each month on certain loans. So after being harassed by Navient for wanting to change my loans ( all within my rights ), this was finally done back in XXXX. Furthermore, after I made my XXXX payment, 3 days in advance of due date. The first issue, after the payment was removed from my bank account and cleared. Navient had my account showing past due, I was receiving emails and messages related to my account being past due on the due date. All this was happening, while my bank account was already debited for my student loan account. After calling Navient, they removed the past due and apologized. Now we are in XXXX and I paid my bill 2 days before due date. The payment has now cleared my bank, however, now my Navient account is showing past due. How is this fair and legal? 

I have paid my bill on time and the money has been cleared from my bank account. However, navient has the criminal negligence to put my account past due. This is absurd. Additionally, I try to call and there is a 30 min wait time. I believe Navient is mad that I took my account out of Auto-pay and requested my loans not be grouped together, so I can pay off my loans faster. Please look into this matter. 

Thank you.

Company response to consumer: Closed with explanation