milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (AZ).
Issue: Settlement process and costs

Complaint: Stearns Lending , Inc., XXXX XXXX, CA. 
This company 's satellite office in Arizona has absolutely NO sense of urgency, and total disregard for their clients ( the buyers ) and also the sellers. 
Claiming to have not received or misplace information, as an excuse. 
People have lives to live and also have time lines to follow, setting up places to live, movers, disconnecting utilities, packing, etc. 
Underwriters, had claimed all is good, and over two weeks later still looking for paper work, still stalling! 
It took a Cure Notice to finally get them to perform, someone needs to be held accountable in this office. 
The purchase was almost lost, due to lack of concern for others. 
Would highly recommend staying away from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for  {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. 

I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. 

Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud 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 monetary relief
Consumer complaint received 12/18/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I was at Bank of America in NY, the XXXX on XXXX XXXX. & XXXX XXXX. last Monday. 
The investment consultant XXXX XXXX helped me open a new travel credit card because I 'm their preferred customer. After that she asked me if I do investment & I said I have an account with XXXX XXXX. She explain to me that if I switch my account over to XXXX XXXX, I will get {$300.00} & XXXX free trades. She tell me to fill the XXXX XXXX application online which I did & drop by Friday to see her which I did. Drop by Friday, she tells me a different story saying I will get {$100.00} & XXXX free trades. Doing business I believe in trust, which she lied to me, so I 'm unhappy with her service wasting my precious time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RAB, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: Borrowed money from XXXX XXXX and now they are suing me for {$6000.00} more. I have borrowed a total of over {$4000.00} and have paid in over {$11000.00}. They are charging 279 % APR. In the fine print it says that 31 % is interest and tje rest is a customary fee! They are a predatory company. I have paid well over what is owed. How can I fight this and help others from falling into the same trap?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection agency listed on my credit report as XXXX is reporting to my credit AGAIN. It has been previously removed because it was deemed not to be mine. Company could not verify any of my personal information when contacted.

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 10/14/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Shellpoint Partners, LLC (MN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In my divorce back in XXXX, my ex husband was ordered to pay the loan to XXXX XXXX. The bank modified the loan and made it a permanent 2 % fixed rate installment loan. This loan was sold from XXXX XXXX to Shell Point Mortgage Servicing. XXXX said he was not notified of the sale or where to send payments. He got his first statement in XXXX and made a payment in the beginning of XX/XX/XXXX. I wasn't contacted by Shell Point Mortgage until XXXX or XXXX making me aware of the fact that there was a past due amount on the loan and that the loan had been sold. I immediately contacted XXXX and let him know a payment needed to be paid and where to mail the payment. He never received a XXXX statement. I have attached documentation explaining all the issues. I know that when a loan is sold the consumer has certain rights. Shell Point Mortgage Servicing has issued two 60 late payments to my credit report which caused me to get denied on a loan application from XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with ACS Education Services (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Since my student loan servicer ACS merged with XXXX, I have not been able to log into the website. I am 100 % positive that my username and password are correct. Even so, I tried the reset function, and the temporary password does not work either. 

I called them last Monday, and they said they were aware that people were not able to log in, and their IT department was working on it. It is still not working 9 days later ( and was not working a few weeks before I called, too ). I 've  noticed many similar complaints online. 

I also just called the automated system to make a payment, and it successfully found my account. As directed, I pushed 3 to make another payment amount. All I receive is an error message there, too.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion credit bureau keeps Showing a open account with XXXX which was paid in Full.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (MA).
Issue: Struggling to pay your loan

Complaint: This company offers a short term installment loan for {$800.00}. The interest is over 450 %. Payment is XXXX a month for ten months. I have paid to date over XXXX and still owe over XXXX. 
I sent a letter on XXXX stating that loans with this interest rate are illegal in Massachusetts. They responded today that I can mail my payment but I still have to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with PAYPAL HOLDINGS INC. (VA).
Issue: Billing disputes

Complaint: My complaint is with Paypal credit. I placed an order with XXXX XXXX and paid with Paypal credit ; before the order was shipped it was cancelled. However, paypal deducted the amount of the cancelled item from my account and although they were contacted by XXXX XXXX they continue to withhold these funds from my credit allowance. I was told that they could not remove the hold until 30 days have passed. This is the second time I have encountered this issue with Paypal credit. It is quite ridiculous that I do not have access to my funds because they are refusing to remove a hold that should not be there in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The collection account with XXXX was paid in full and closed on X/X/17. The account has remained incorrectly reported with Transunion for more than 45 days. This has caused delays in applications that were necessary for me to file by a certain time.

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 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
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: On XX/XX/XXXX I submitted a dispute with XXXX about 5 XXXX XXXX XXXX   accounts that are showing on my report. The amounts of the 5 accounts are {$2200.00}, {$3500.00}, {$3700.00}, {$4500.00} and {$5100.00}. I requested for them to send me a signed contract ( proof ) of these and was only told they have been verified but nothing was sent to me in my file to show me a signed contract. On XX/XX/XXXX I submitted another dispute with XXXX about 5 XXXX XXXX XXXX XXXX accounts that are also showing on my report. These amounts are {$4500.00}, {$3500.00}, {$5800.00}, {$7500.00} and {$3600.00}. I requested the same for these accounts, a signed contract ( proof ) and was told the same, they have been verified but NO proof was sent to me in my file. All 10 of my disputes were updated on XX/XX/XXXX. These also show on my Transunion and XXXX  report as well.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: I want an immediate credit freeze from Equifax, ( and the other two companion credit bureas ) due to Equifax 's data breach, but they want to charge me for it unless I can PROVE I am a victim. Equifax is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! Equifax SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION. 

" XXXX-based Equifax, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXX and XX/XX/XXXX of this year. Equifax discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. '' XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In   XXXX   I contacted  XXXX   XXXX  because my employment situation changed and I was unable to afford the payments as they were to be made. I made SEVERAL calls asking if I could make payments in the amount of $  XXXX  month as it was all I could afford. I was told EVERY time that I was required to make the entire payment and if I could not afford it, I should apply for deferment or forbearance. As of 2 months ago, I was UNAWARE of  XXXX   XXXX   XXXX . Since I learned on it, I have been placed on plan that allows me to pay $  XXXX  month. That 's how dire my situation was/is. This is shameful. Additionally, I was able to attain additional loans through  XXXX   XXXX  for  XXXX   XXXX , even though I was unable to pay on the  XXXX  loans I already had. Predatory lending?????

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am aware that a dispute is in process and I am providing new information regarding one of the items being disputed. A fraudulent account was opened in my name with XXXX XXXX. I filed a complaint against XXXX XXXX and they responded with the attached letter telling me they are no longer reporting this account to the credit reporting bureaus however upon my personal research I found that this account is still on my Equifax credit report. I redacted text on the letter that is not relevant to my complaint however I do give Equifax authorization to call the number on the letter from XXXX XXXX to confirm that they have given me written confirmation that they are NOT reporting the account any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I got a letter from Nationstar saying I was 8 months behind. The XXXX XXXX, mortgage payment was credited back to my bank account. They XXXX said, I have not paid since XXXX XXXX, then they said, they were missing XXXX, each time I have provided my pay history of payments. Then they said, XXXX missing. I have review pay history and did not find XXXX payments missing. XXXX said, I was not behind prior to sending my loan to Nationstar. I have sent XXXX payments between XXXX XXXX, XXXX thru XXXX XXXX, XXXX. The last XXXX payments have not posted to my account. I have called and spoke to a different person each time. I was in a XXXX from XXXX until XXXX XXXX. During that period I did not get any notification of missed payments. A rep at XXXX advised that they received a payment from trustee in XXXX XXXX, and they returned it to the trustee since my loan is with Nationstar. Trustee stated they do not see a returned payment and they had not information that my loan transferred to Nationstar. 
I believe there are funds that I sent to pay my mortgage that have never been applied to my mortgage. Also, I believe that the primary interest in Nationstar is to have me to refinance the loan. I am not interested in refinance. I will pay whatever I owe. But, I want all funds placed on my account, if I sent a payment in that have not applied to my loan. 
I would like to pay on their website as soon as they free up my loan account to allow me to pay online. I would consider auto bill pay on their website but, again, my loan is not allowed to use that service. I would like to have an individual assigned to help with resolving all of the issues with my account so that I can may the normal monthly payments. 
I filed XXXX to pay my creditors. I was discharged after 5 years of paying ch XXXX in XXXX XXXX. Now, I want to increase my credit score and remove any negative data from my credit report. In good faith I have attempted to work with Nationstar and XXXX to resolve any issues with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had a federal loan with XXXX ( now navient since 2016 ). Most of my payments have gone towards interest although I have been paying the loan for 10 years, with XXXX forbearances for less than 4 months each. To date, the loan is actually more than it was when I took it out. I 've been requesting an amortization of monthly payments which I have made and an ongoing balance from Navient for the past month by phone and have not been met with satisfaction. Navient says this information is available online, and it is not! They do not offer tech support to customers. 

How can I have paid so long for this loan and not even make a dent in it? I understand paying interest but surely by ten years in I should have paid more towards this loan. I 've benn on income based- for the past three years to get some relief .... 
I need answers and help! 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW CLOSED.

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