milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LAMONT HANLEY & ASSOCIATES INC (AR).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XX/XX/XXXX, I was looking over my credit report. I noticed a company on it named Lamont Hanley and Associates. It was showing original creditor XXXX XXXX XXXX amount {$180.00}. They reported on XX/XX/XXXX again XX/XX/XXXX. I never heard of this company Lamont Hanley and Associates. I never received a call from them about a debt. I did n't even know they ( Lamont Hanley and Associates ) was on my report this long. So on XXXX/XXXX/XXXX I called the company. I spoke with a guy name XXXX. I told him I was calling cause they was on my credit report. He got my information and looked up the account. I told him I never had insurance with XXXX XXXX XXXX. In XX/XX/XXXX I was with XXXX XXXX through XXXX XXXX XXXX of XXXX XXXX. He informed me that They were the same company. I asked If, I completed paying my month billing why was they filing on my credit report? He said I owed a cancellation Fee for a policy on a XXXX Chevrolet Trailblazer. I told him my Ins. was month to month and with XXXX. I was not aware of a cancelation fee from them. He appear to become angry by raising his voice. He stated loudly, you signed a lease. The cancellation fee is in the declaration page. I then asked, can he could validate that I owe this debt? Send me a copy of the declaration page and bill. He again stated loudly " man this debt is five ( 5 ) years old. We will be calling, no, we wo n't be doing any dam thing. I then asked him if they could remove their name off my credit report. He again stated loudly, you have to do a dam dispute with the credit bureau. He then stated in a loud tone it 's not coming off then either. He then hung up the phone on me. This guy was so very rude. They are on my credit report and refusing to verify why, this company l do n't know. How they got my info I do n't know, if they bought it or they collect for XXXX XXXX. Nobody should have to pay for switching companies. XXXX XXXX never called me that I owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage Escrow account we asked  Chase to remove home owners insurance. Chase did a mortgage escrow account review and noted a shortage. 
Chase printed the statement on XX/XX/2015 I received the notice on XX/XX/XXXX (Saturday), that my total monthly mortgage and escrow payment will change on XX/XX/XXXX Chase gave me the option of paying the shortage, or changing my monthly payment, or paying a portion.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Bank account or service (Checking account) with BANK OF THE WEST (CA).
Issue: Making/receiving payments, sending money

Complaint: My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (DE).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: Calls placed after   XXXX   XXXX  .
Calls several times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Loan) with CarFinance Capital LLC (CT).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.

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 12/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: In early XX/XX/XXXX, I noticed that my bill was greater than the amount that it should be based on my income based repayment plan that went into effect XX/XX/XXXX. The payment under the new plan was {$490.00} but the bill was for {$750.00}. Because the excess amount of {$260.00} is 52 % of {$490.00}, I did not believe it was possible for these to be late fees, so I contacted Navient. Navient responded that they were in fact late fees. So, on XX/XX/XXXX, I reluctantly paid the bill in full, with the late fees, thinking it would be better to just pay than self-audit the account. 

Now, my bill is once again showing that I owe {$750.00}. I contacted Navient to advise this was in error, as the full P & I payment of {$490.00} plus the late fees of {$260.00} were paid on XX/XX/XXXX, four days in advance of the due date XX/XX/XXXX. Therefore the fees were paid and no new fees could have been assessed. Navient responded that my entire {$750.00} payment had been applied to P & I, nothing was left for the fees. This is an admission that they applied my payment to more than the amount that was due, in effect disregarding the reduced income-based payment amount and demanding that I pay the same fees multiple times over. 

When reviewing the payment history document, please note that there is data from a private loan account displayed as well as the federal loan account that is the subject of this complaint. The accounts can be told apart by the due dates : XXXX of the month for federal, XXXX of the month for private. The {$220.00} transaction dated XX/XX/XXXX is for the private account ; the transaction at issue here is dated XX/XX/XXXX iao {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We are in the unfortunate position of having had our mortgage sold to Nationstar for servicing. Each month we pay the amount due ( principal and interest ) plus an additional {$750.00} toward the principal. We use Nationstar 's online form which allocates the payment accordingly. For whatever reason, Nationstar can not seem to understand that the additional {$750.00} is a payment against the principal. Some months it has been stuck in an escrow account. More recently, after several phone calls and hours spent talking to a representative and being assured that our account has been corrected and that the problem will not recur, the new approach ( last 2 months ) is to allocate to the next month 's payment, reducing the monthly amount due rather than reducing the principal owed. The following is an example of the communication we have been having with Nationstar : Subject : Payment PostingLoan : XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXXDate : XXXX XXXX, 2015 XXXXOnce again we are writing to correct your posting of our most recent payment. We paid our XXXX payment on XXXX/XXXX/15. As we do every month we paid the amount due plus an additional XXXX in principal. Once again you have failed to post this payment correctly. Why is this so difficult? Compounding your error, your site indicates that you did not accept this payment toward the XXXX payment due and that we still owe an XXXX payment. Correct this as well. We are becoming tired of having to constantly correct your accounting of our payments. This is not hard, all you need to do is look at the allocation of the payment that is made with transaction and apply the funds accordingly. The incompetent handling of our account is very frustrating and stressful. We make our payments on time, even early, and expect reasonable service of our account. If you are unable to provide this minimal competent level of service please transfer our loan to some one who will. I would welcome someone calling me and explaining the steps you will take to remedy this situation. I can be reached at XXXX. XXXX XXXXThe only response to this email was to make the corrections requested. However, each month since has continued to be problematic with Nationstar mishandling our additional principal payment requiring calls to the service department. Its delay in applying my additional principal payments obviously impacts the amount of interest I am paying to my detriment but to Nationstar 's benefit. I suspect that my loan is not the only loan being handled this way, and if it is Nationstar is benefiting from its own seeming incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wells Fargo Opened a fraudulent loan under my name and social.I 've attempted to resolve the issue with Wells Fargo several times but have gotten nothing but the run around and a extremely unfair investigation. 

Wells Fargo has failed to properly Idenitfy me and has failed to ask for documents that would prove the validity of my claim. The refuse to look at information that is given and continue to assign the file to the same negligent investigator. 

The have discriminated me and slander my name and affect me and my families ability to gain job or credit due to a bogus fraudulent account that they continue to report. They continue to ignore all material information and facts that I have that would resolve the claim in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Debt collection (Medical) with Stallings Financial Group, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Apparently I owed a medical debt that just popped up on my credit report. The debt was for {$130.00}. It dropped my score dramatically, I contacted the collections agency and the debt was paid but they stated they do not remove items from credit reports. I did not receive proper notification that this debt was going into collections or that I owed any money. No one called or sent anything in the mail to let me know I had a debt to be paid. I just happened to check my credit report and noticed it there. Can you please help me get this removed? I am trying to purchase a home for my family and this is effecting my ability to be approved at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Savings account) with U.S. BANCORP (OR).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I am a 12 years customer and a US citizen, US Bank Closed my 2 savings and a checking account on the XX/XX/XXXX and XX/XX/XXXX After I realized that I did have not money I called customer service on the XXXX, they could not help me and I went to the branch, After phones call from the Manager XXXX XXXX XXXX in XXXX XXXX branch in XXXX Oregon, she said that were closed for missing information that I did not provided in my direct deposit, they said I work for XXXX XXXX and get paid by XXXX XXXX, I showed her my work ID card and she wrote and email to the main office. I get some letter from US bank asking for those information and I called on time I have probe of that in my phone statement. 
She also told me that my check from my saving account will be mailed overnighted because the amount and the others will be regular mails. I went back to the branch Friday XXXX to ask about my money and a new manager told me after check in the computer that my money was shipped regular mail but could n't tell me why the accounts were closed. 
Wednesday XXXX I returned to the branch and another Manager did the same research but with no solution for me because no checks or letter has arrived by mail, I told them that I will place a complaint against Us bank and they gave me a brochure with the term and conditions, they can close my account for any reason or no reason but letter and checks has to be mailed to me in 10 days, I went back on XXXX but no luck. 
Saturday XXXX I received 2 letters from US bank credit cards telling me that they have elected to close my 2 credit cars that I have in good standing, the day to be closed is XXXX, Today I have received and offer from US bank online and they have increased my line of credit because my high credit score. 
As today XX/XX/XXXX, I have n't received any letter from US bank letting me know the reason for the closure and I do n't have my 2 savings account checks yet. 
I have been struggling with finances, all my bills were paid by friends, I have n't support my family in XXXX since the XXXX XXXX hit the city where my family live. 
US bank have a really bad customer support because no one can tell me what happened, they now will also destroy my credit because they are closing my credit cards. 
I feel very helpless and I would like someone help me in this matter. 
It is ok to close any body account but they have to provide information and the money that is all my life saving. 
I am 15 days with not money because a really bad work at US bank corporation. 
Please any help will be gladly appreciated.

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 03-01-2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Other transaction problem

Complaint: MoneyGram cancelled my transaction ( {$2000.00} ) due an error. Despite the cancellation, they withdrew the money from my checking account. They said it may take up to few weeks to get my money back. That's not fair. I sent the money on XX/XX/, they cancelled the transaction on XX/XX/ and withdrew the money on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Student Loan Processing Direct, INC (CA).
Issue: Fraud or scam

Complaint: Our daughter XXXX has been using the parent plus loan financially supported by yours truly since at the time of our agreement she was going to college and not able to fully foot the tuition bill. To put more context to this situation, she has flown across the world and plans on marrying a particular person we do not agree with. We want to end the payments for the loan this year so she will not be able to use it the following year. Her new sought out independence runs short by her financial dependence on us- which consequentially we write to you for assistance in giving her what she wants, to be truly an adult.

Company response to consumer: Untimely response
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Money order) with WESTERN UNION COMPANY, THE (PA).
Issue: Unexpected or other fees

Complaint: Purchased money order for  XXXX  at   XXXX   XXXX   XXXX   in  XXXX   XXXX   XXXX  l pa in beginning os  XXXX   2017   . I submitted it for payment to   XXXX   XXXX     XXXX  for payment and it was cashed on  XXXX   XXXX     2017 a nd came back. To them as ndf on  XXXX   XXXX     2017.  Talked yo wedtern union  4  or 5 times and they said it went through on  XXXX   XXXX   2017    and thats all the info they had. Ive tried resolve the issue with   XXXX   XXXX   and no one is allowed to talk to the accounting department. They tacked on an additional  XXXX  to what i already owed and now wint ship my medicine. They lied and told me someone from accou ti g left a message on  XXXX   XXXX     2017.  I calleled  XXXX   XXXX   2017 an d yhey said theyd call that day.  Todsy is   XXXX   XXXX     2017 a nd no call fro.  Accounting. Whats the big secrect because not even customer service has a number for them. I filed a complaint with them about it today. I never heard of a money order that bounced and i need help and a quick resolution. Western  union number is  XXXX . The money order number is  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 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: CRA ... TRANSUNION AND XXXX ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Auto) with Innovate Managed Holdings, LLC (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: A debt collection agency Innovate Loan Servcing ought my car loan. Never heard of the company until about XXXX weeks ago when they called asking for {$1400.00}. They said they sent a welcome letter which I did n't receive so I asked for the letter to be sent to my email. During that call on Monday XX/XX/2017 the representative XXXX verified the last XXXX of my social security number but failed to tell me they were debt collectors and it was an attempt to collect a debt. I asked for the welcome letter so I could see it then begin working with them. I heard nothing more from them but got XXXX calls yesterday on XX/XX/2017 back to back and one voicemail. Then another call this morning XX/XX/2017 at XXXX am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Unfortunately, I purchased a XXXX gift card for my granddaughter from a company called netSpend without reading the fine print on the card wrapper that states she was required her to give them her Social Security Number when she called to activate the card. Rightfully so, she was very reluctant to give someone her SS number over the telephone. Their legal paperwork states they need her SS number because of the Patriot Act. Like other XXXX gift cards that require no personal information for their use, the intent of this card was to use it for a one or two-time purchase for the total amount on the card, not for continuous use. Therefore, I requested a refund for the card via their website. 

I tried to call their Customer Service number to inquire about a refund as it says on the card wrapper, but the only options on the recording was to 1 ) activate the card ; or 2 )  enter the card number. Since the card cant be activated without revealing her Social Security Number, I was unable to speak to a human representative, so I emailed them. 

I was told to call their customer service number or email them. Since I again could not reach a human at Customer Service to discuss this matter, I emailed them. They responded again by saying they would call me. They did, however, I was disconnected before I could answer. I again emailed them to contact me but received no response. 

All I want is a refund. I want nothing to do with this company in the future.

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 03/31/2017 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Last year, I ran into financial difficulty and was unable to continue to pay my credit card payment to Citibank. I was in the process of consolidating my debt, but the consolidation loan was taking an incredibly long time. I called Citibank numerous times and updated them, but failed to put that information into writing. By late XX/XX/2016, the debt consolidation loan settled and a check for {$33000.00} was issued to Citibank. The last account statement I received from Citibank ( see attached ) did not reflect that {$33000.00} payment. I never received another statement from Citibank. Citibank apparently sent my account to their collections group. I have received numerous " settlement offers '' from the collections group, but have been unable to establish how much I really owe Citibank, despite two letters to them earlier this year ( see attached ) requesting that information. I know I owe them something, but I just do n't know how much. I would like to settle this account once and for all. The collections group says I owe {$2000.00} more than I think I owe them and I do not understand how they came up with this amount.

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