milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX has decreased my credit score but does not properly state why, what bill was late or delinquent or what was added that decreased my score by up to XXXX points!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The most recent date for the change in interest rate on our mortgage was XXXX XXXX, XXXX. Nationstar did not send the disclosures required by 12 C.F.R. 1026.20 ( c ) prior to the change in interest rates. Nationstar has not sent us monthly mortgage statements in 14 of the 36 months since taking over servicing on the loan on XXXX XXXX, XXXX. Nationstar did not send mortgage statements for the months XXXX XXXX through XXXX XXXX and then sent statements in XXXX and XXXX of XXXX. The XXXX and XXXX Statements have conflicting information concerning the interest rate on the loan and the monthly payment amount, plus unexplained fees. The XXXX Statement shows a interest rate of 3.00 % through XXXX/XXXX/XXXX and a monthly payment of {$1900.00}. The XXXX Statement shows an interest rate of 3.50 % through XXXX/XXXX/XXXX and a monthly payment of {$1500.00}. In XXXX Nationstar did not provide the disclosures on the loan regarding the first change in interest rate on the loan required by 12 C.F.R. 1026.20 ( d ). All totaled, in the three years Nationstar has serviced our loan they have not provided 14 monthly Statements and two required disclosures concerning interest rate changes. Even after multiple requests, Nationstar has also failed to provide a copy of the Note with any modifications thereto as required by California Civil Code section 2943 ( b ) ( 1 ). Despite previously filing multiple complaints with the CFPB and the California Department of Business Oversight, Nationstar continues with its scofflaw ways.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection company continues to report an account they can not legally verify. They are asking me to prove the account when they have no legitimate documentation for the account to collect on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with ARVEST BANK GROUP, INC. (MO).
Issue: Deposits and withdrawals

Complaint: I applied for a Small Business Administration XXXX loan with Arvest Bank last year for my VA Certified Service XXXX Veteran Owned Small Business- National Veterans Service Bureau , we were denied. I again filed for a loan XX/XX/XXXX we were denied again after getting XXXX worth of Student Loans removed for XXXX student loan discharge. We asked for a review when I was able to remove XXXX out of XXXX collections items from my credit report. Again we were denied. I filed a complaint with the SBA OIG, we are awaiting the result of complaint to have Arvest removed from the SBA Lender List for racial and XXXX discrimination because on the last loan denial they said I had no income while I deposit XXXX a year in Payroll deposits and VA XXXX Pay. It has been one lie or reason after another. 

The reason I am filing this complaint is that now I have begun recieving retaliation in the form of deposits being held back, debit card transactions being held then posted when funds are low, I have over draft protection and they are sending checks back even when I call them and ask is there a transaction posting today they say no then put a transaction and returned the check, and I had called them asking them to call me or pay the check. They held transactions for over 7 days then put XXXX or XXXX transactions on the account at one time, putting me over the over draft limit, but again I tried to work with them by calling them. 

Fyi the Head of the Missouri Arvest Bank XXXX XXXX has been in communications with me, I also contacted their corporate office in XXXX Ark. I told them if the retaliatory transactions continued I would be filing a complaint with your office. I have also filed complaints with non us government companies about the racial and XXXX discrimination see the following link for more information. 

XXXX I do not want another XXXX veteran firm to be treated this way thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am not aware of this account. I visited XXXX many many years ago and did n't owe them anything. Please remove this from my credit.

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 06/27/2016 about Student loan (Non-federal student loan) with KEYCORP (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Upon my Filing for Chapter XXXX, my daughter 's student loan, that I co-signed for, was taken out of deferment and charged off. ( sent to collection ). The bankruptcy was completed in XXXX XXXX and we ( Myself and daughter ) believe they are claiming that a payment was missed and a delinquency was reported in XXXX XXXX, for a payment amount that was established by them and at no time was it told to my daughter or I that it had been established. We think they are attempting to or will attempt to move the Statue of Limitation date. My daughter has been and is currently a XXXX with full deferment qualifications, with no lapses. She has Federal loans that to this day are in good deferment standings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Automated Accounts, Inc. (WA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling from a private number, calling starting a conversation as though a friend is calling, there is no information about this company being a debt collection agency. They are falsely representing themselves and calling very frequestly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My employer is listed as the employment date is wrong. I started working @ XXXX in XXXX XXXX, not XXXX, as listed.

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 12-12-2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: I have a charge off on my redit report for {$4.00} from XXXX. thisi s a XXXX XXXX card thru SYNCB. this {$4.00} shows late XXXX days. I can assure you I pay my XXXX credit cards off monthly with a much bigger balance. this is abusrd that I am being penalized for never recieiving a statement. Once discovered of course Immeidaltely paid this {$4.00} charge. However, I am now looking to purchase a home and this {$4.00} is hurting my FICO score. I am asking the creditor to DELETE this charge off from my credit and send notice of such deletion to all XXXX bureaus. Ihad no idea I had a charge off ever filed against me until XXXX XXXX XXXX pulled my credit. I feel completely mislead and taken advantage of for a mere {$4.00}. the charge off is showing PAID however becasue of the category of charge off my fico score is down XXXX points. I want this rectifed ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company denied my application for modifying my loan. In their denial letter, they stated, what I feel are, generic reasons for not qualifying for any of the modification programs. I have tried to ask for clarification, and a better understanding of why they believe I am not eligible, and they are unwilling to give me that information. While they did send an appeal form with the denial letter, it is kind of hard to appeal their decision, or interpretation of the information that I sent them, if they will not go into the details with me. It is also impossible to provide them with additional information, or point out a mistake that may have been made, which is the reason for the appeal, if they are not forth coming with how they came to their conclusion. A few examples, they claim my property has a negative NPV, but will not give me the numbers they used to arrive at this determination. They are using a credit score, XXXX of points below the credit ratings I have pulled up on line. They are using a property value, XXXX dollars below the market value of my property, even though I have submitted a copy of the last appraisal I had done, and have pointed out, that they used an appraiser who did a drive by exterior appraisal, and compared my property to others in the area that are less than 1/2 the size. I am trying to find out if their is a way to file a complaint with XXXX about this, and where I would go, or who I would call to accomplish this.

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 01/22/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A co-worker wanted me to co sign for a loan so we went in to Wells Fargo where we both bank, my co-worker had already spoke with a personal banker which explained to him the whole process. That day she asked us for all the requirements, I told the banker I was in a hurry and my time was limited. So I told her let me now when I can leave, I 'll sign what I need to and my co-worker can finish the process. While we waited for the loan approval she asked if I was interested in a credit card she did n't explain much all she said is that it was 15 months 0 interest, so I told her again that I had an appointment that maybe another day she can give me all the details about the credit card. after that we did n't discuss anything about the credit card. Once approved for the loan she handed each of us a copy of what we had signed for the personal loan, I went on my way and my co-worker stayed to receive the loan. About a week after I received in the mail XXXX credit cards XXXX for my co-worker and XXXX for me, I was shocked to when I opened the envelope. I looked for the copies that the banker had gave me but nothing showed that I had signed for a credit card. I waited about XXXX weeks, never activated the credit cards went in to the same bank to explain what had happened. Once the banker went over the credit card details I told her I would keep it only if I could remove my co-worker from the credit card and still keep the 15 moths 0 interest. She made some calls to see what she could do, she said that in order for me to keep the credit card I had to close the account and re-apply on my own. Even though I had not even applied for it to begin with. that would require running my credit again. She promised to give me 15 months 0 interest she even put notes on her computer stating that she had called credit services and they would honor my request. 
well that was not true, when I activated my new card I called to verify the interest. They ran my credit for nothing, it was just a waste of my time, I went in to the bank a few times to solve that. A banker told me I would get a response within 10 days its been about 20 days I 've never received a call regarding that incident. I want my credit restored and the can keep their credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

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 03/28/2015 about Money transfers (International money transfer) with Remitly, Inc. (GA).
Issue: Money was not available when promised

Complaint: HiThis is regarding to a money transfer request done by me thru Remitly. 
The money did get transfer as promised and they are not ready to cancel the transaction and refund my money.Requesting to please help on this

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have been making payments to Navient faithfully out of my checking account and my entire tax return was taken for student loan repayment. However, I had called multiple times to see WHY this was going to happen and they said that at one point I ahd defaulted. I am currently on government assistance, with XXXX children working a full time job and they will not lower my interest rate, and take almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: foster garbus and garbus XXXX XXXX XXXX XXXX XXXX XXXX XXXX sueing and threatning to garnish my wages. amount owed is more than amount due to original creditor. XXXX account. now worth XXXX unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: My bank will not send requested information to a company requesting it ..in a timely manner. This is causing issues with returned checks and nsf fees. Also my bank is returning items when my account has the money to cover it and then charging me fees for them being returned. They do not show the items being returned but show the fees for the items in my account activity. I have also disputed a charge and have had to call them twice about it and still nothing has been done and the charge was done I believe on XX/XX/XXXX to a card that was reported stolen and no longer active. I 'm still waiting to hear from someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is trying to collect a debt and I am in good standings with the company and have been for sometime now. When I restarted my service I was told that my debt has been taken care of and I continue to this day to be in good standings with wind stream communications. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Back owned a heloc loan on our property. They sold to XXXX a sub of bac. They wrote the note off because we did not repay this loan in 2012. Now we understand XXXX financial bought the paper and is trying to get payment. It shows on our credit history it was written off. XXXX now has started trying to collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Monterey Financial Services LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: They called my phone several times. I dont have an income I dont work, I am on medicine. I lost unemployment, I am about to loose my apt , because lack of income. I am not receiving food stamps. They called me saying that they are investigator and they coming tov My house. They said they reporting me to authorities. I told them to stop calling harassing me. I dont have anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.

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 07/15/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a consumer title loan with Wilshire Consumer Credit for {$6000.00} using my car as collateral in 2013. They quoted a reasonable interest rate even though it was a consumer loan. I was thrilled to be able to get it. The balance was immediately raised up to {$8000.00} which I didnt know would happen. I paid on it religiously for almost two years and then my husband/business partner had a XXXX and I fell behind on the payments. I contacted them and told them the situation and asked for a payoff amount thinking I could just pay them the little that was still on the loan and not worry about it any longer. When they told me the payoff amount was still {$8000.00} I was flabbergast since I had more than paid for the loan! They explained that the interest had gone up since I had missed payments! I explained again that my husband was ill and we had to close a XXXX year business. I kept trying to negotiate this balance down to a reasonable amount and they wouldnt budge much. I kept asking to speak with a supervisor and eventually I went up the ladder to someone who looked at the situation and said under his breath that it was all interest we owed. He said he would talk to his supervisor and " get right back to me '' and I never heard from him again even after calling several times. We then had to declare bankruptcy which allowed us to keep the car a little bit longer and was advised by my lawyer to just give them back the car since they were never going to do anything that would have them not make all their money. So, I told them to come get the car. When they did, they sent me a notice saying they would be putting the car up for auction and I could purchase it for a little over {$4000.00}! Had they been willing to do that when I asked I would 've settled the loan immediately ... meanwhile I had to take out another loan and purchase a new car, which is fine, but what a pain to go through all this XXXX when I am taking care of my husband full time, lost our business and am trying to survive. Beware of title loans no matter how appealing they are! These people are sharks with no remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed XXXX different accounts that are on my Credit Report which are included on my bankruptcy yet it returns with the " creditor states it is showing correctly ''. The creditors have been informed numerous times in writing by my attorney that the accounts are a part of my bankruptcy and need to be removed yet they are still showing on Equifax. Upon dispute, these same accounts were removed immediately from XXXX but Equifax still reports them.

Company response to consumer: Closed with explanation