milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX erroneously reports the payment made in the last month reported on the credit hx was late. We traded this vehicle in on another in XXXX 2012 & payment was current. The car dealer sent the payoff for this vehicle LATE to XXXX XXXX XXXX. XXXX XXXX check records for date of vehicle trade, refinance of new vehicle versus date the dealer sent the payoff in, & confirm payment was late as a result of the dealership handling & not the customer. Our payments were on time. I received late notices from XXXX XXXX & contacted them at least 2 times as well as XXXX of XXXX requesting they get this taken care of because I do not like being accused of being late when I am not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I sent in a cashier 's check to Nationstar for my regular monthly payment in the amount of {$1300.00} ; Evidently that check was sent to the corporate address instead of their overnight address. I was informed of that and due to the fact that I did not want to be late on my mortgage payment, when the representative that I spoke to on XX/XX/XXXX ( Name XXXX ; Ext : XXXX ) suggested that I send in another payment I did so on the same day. XXXX also mentioned that there 's a possibility that the check might get returned back to me or that it would just be sent to the correct department for processing, She said that whichever payment is processed first will be applied for XX/XX/XXXX, the other will be applied for XX/XX/XXXX. The second check I sent in XX/XX/XXXX was in the amount of {$1300.00}. The check was sent on XX/XX/XXXX and received on XX/XX/XXXX, It was cashed on XX/XX/XXXX and was posted to the account for the XX/XX/XXXX payment. The first initial check which was sent on XX/XX/XXXX, received on XX/XX/XXXX and cashed on XX/XX/XXXX ( which we later found out when Nationstar asked for proof from our bank ) was never posted to the account. We have contacted Nationstar about this matter about 24 times through email and phone since XX/XX/XXXX, might be more, I lost count after my 20th call ; They have yet to take this matter seriously. I have gone through at least 8 research request that was submitted for them to look into it and apply my missing payment, but none of these requests worked. Every single time I submitted one, I would get just a little bit of hope but to no avail. I have faxed them all of the documents that they have ever asked for on every occasion that a new research request would be submitted and I have also emailed them those documents. I believe that the employees are not taking their time to do their job correctly. They mentioned that everything is correct on the account and that the missing payment was applied toward the mortgage. I have looked at the statements and that first check that Nationstar cashed is nowhere to be found on there. And its also funny that one of their representative told me that I should be happy that I 'm not behind on my payments and to just be happy and let it go and continue to make my payments. I just want Nationstar to post the payment as it should be, and if they refuse to do that, they will have to give me my money back. Just in case Nationstar try to say that one of the payments that are posted on that statement is the payment that I 'm disputing. I need to add that I made 2 payments XX/XX/XXXX in the same amount of the check that I 'm disputing. The account was current at the time that I sent in that payment that I 'm disputing, therefor there is no if and or buts it should be posted.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was part of the Equifax cyber security breach that affected over 140m consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: XXXX, working with and through Experian, is the parent company for XXXX whom I am making my complaint against. XXXX offers a 7-day trial for {$1.00} in which you can view all three credit scores from XXXX, Experian and XXXX. I signed up for trial on XX/XX/XXXX and was required to input my credit card information so if I wanted to continue with the trial my card would be automatically charged {$29.00}. If I did not want to continue after the trial, I was to cancel before the trial ended, which in my case would have been XX/XX/XXXX. I do not want to continue my trial, so I called the number listed on XXXX website at XXXX. XXXX does not offer any other way to cancel the trial. It has to be through this number. I called on XX/XX/XXXX, XX/XX/XXXX all day off and on, only to be put on hold for over 2-3 hours each time from their listed hours of XX/XX/XXXX. toXX/XX/XXXX listening to elevator music, only for the music to stop after holding for two hours and forty minutes and no one answers the phone, which forced me to continue this cycle. Today is Saturday, XX/XX/XXXX, creditchecktotal.com hours are XXXX XXXX until XXXX XXXX I called at exactly XXXX XXXX for the cycle to continue. Not only is this horrible customer service, but it leads me to believe, by me not being able to cancel the trial, they will intentionally charge my card.

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 03-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage got sold in XXXX 2015 to Nationstar Mortgage. This company has the worst customer service I have ever dealt with. I am in Customer Service so I do understand how challenging the job can be. First they can not send out the monthly statements. In 4 months I received XXXX. The second only came when I called to ask about it. But when calling the auto phone said my phone number and my my zip code did not match my account. Really? my account zip code is wrong? No, they are a complete mess. The rep told me I can make a payment but NEVER stated that there is a fee to pay my bill that they never sent. I gave her an amount and check number. To end up with Overdraft Fees for insufficient funds. To discover the rep at Nationstar submitted a different amount that we discuss. In my eyes that is Fraud and Theft. A {$19.00} Fee was added to my payment. THAT IS WRONG!! I called yesterday to complain about this. I was put on hold for 5+ minutes when the call was dropped. It took XXXX calls each time this happened and had to explain my story again & again. The reps last night had poor XXXX skills which added to my frustration. I called today to talk to a supervisor. Once again explaining my story and fixing my account, so he said, then finally transferred me to a supervisor. We we had to start over again. But she did state that my account was noted. Are you kidding me!! This company is a nightmare and still do NOT feel confident with them but I have no choice. I can not afford to refinance but I do not the the stress and anger about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Other debt) with Hunter Warfield, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was on a apartment lease for six months. After my six months came up I had left the apartment and they said I broke the Contract because I didnt give My two months notice. 
Which clearly I didnt know. it was a simple mistake which is money I never own them or didnt pay .. The six-month I was there I paid my rent on time and all that you know it was a apartment lease. The only thing is I dont understand is why they charging XXXX if I didnt own them that money And they still kept my whole deposit didnt get nothing back from that. Receive All this calls daily and just thinking about this gives me a headache which I dont really own them money. I feel this is an abuse from the collectors all they want is your money. Something they tend to do every day is call me. You know that really frustrates me and really annoy me. then sometimes people call And them seem to sound a bit rude and Disrespectful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have a priceline rewards visa signature card which is serviced by Barclays. My rewards program says I get 2 % cashback on all purchases and when I redeem the cashback as a statement credit against travel purchases I get a 10 % redemption bonus. I have been using the card for several years and I get this bonus almost instantaneously as I redeem the cashback towards an eligible purchase. 

On XX/XX/XXXX I redeemed XXXX points ( {$120.00} ) against a hotel booking purchase and I was supposed to get XXXX points ( {$12.00} ) as redemption bonus as per terms of the program. I have redeemed against booking for the same hotel in the past and got the redemption bonus in the past. This time I didn't and so I called customer service within minutes of making the redemption. I spoke to operator with ID coeafr who assured me that I will get the bonus when my current statement closes - I questioned the operator as this made no sense as I used to get this bonus instantaneously in the past to which I was given no satisfactory answer and that I will get it once my statement closes. My statement closed but no luck so called again on XX/XX/XXXX and spoke to operator with ID XXXX who said I need to wait for another day for the credit to reflect. Again I asked why its not instantaneous this time and no answer. I called again on XX/XX/XXXX and spoke to operator with ID coemvm who said the same thing - wait for a few more days. This time I insisted a formal case be started as I can't keep calling back and its a drain on my time. The operator logged case number XXXX and promised me that I will get a response within 7-10 business days. Fast forward to XX/XX/XXXX, an entire month after the initial issue, no response on the case I had filed. I called customer service again. The first operator transferred me over to another operator with ID XXXX. The other operator said she can not do anything to help me with this case either and transfer me over again. 

Basically customer service is playing a game of passing the parcel until the customer gets fed up and gives up. I spoke to several agents and not one made an attempt to figure out what the issue is and just wanted to defer the issue to another time as that would involve another operator. I have already spent a lot of time speaking with customer service ( and waiting in line ).

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 07/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job in XXXX 2016. Since Wells Fargo offered a " home Preservation " Program, I reached out to them to alert them of my hardship. They were understanding and approved me for the Forbearance program. The way it was explained, was that if the homeowner qualifies for a hardship, then they would make a minimum monthly payment ( around {$50.00} - $ XXXX/month ) until the hardship has been resolved. Once resolved, the loan would be re-evaluated to determine how the loan modification would be worked out. So, I agreed to participate in the Home Preservation Program ( which should be labeled Home Foreclosure Expedition Program ). I found another job and started on XXXX, earning less than I did when I qualified for my mortgage, and notified WF of this accomplishment. My Home Preservation " Specialist '' was extremely kind and encouraging during this conversation. She requested updated earning statements so that the underwriter could determine which program was the best fit. I was ecstatic and hopeful that I would be able to maintain my home. Within a week, my Home Preservation Specialist contacted me to inform me that she had a decision from the underwriter and was happy to report that I qualify for the repayment program! This is a program where you pay your regular mortgage amount in addition to all of the " outstanding '' payments. I informed my ( Home Foreclosure Expedition ) Specialist that I am not able to make that payment. Additionally, I now, have a reduced income compared to what was used for qualifying me for my home. She only told me that was my only option ; that the underwriter came back with that program and I could take it or leave it. I begged with her that it makes no sense that I can pay more on a lesser income. It fell on death ears. She only told me that my first payment would be due on XXXX. I could not make the payment in XXXX, but called back in XXXX to make the payment and was informed that my loan was 5 months delinquent and that I was, now, in preforeclosure. I attemtped to contact the " specialist '', which now changed to a XXXX XXXX and he was no longer available. He would not return my phone calls and I started receiving calls from the collections department, threatening me of further actions. I contacted WF one last time and begged to speak with someone in Loss Mitigation, but no one observed my request. So, here, I have decided to file a complaint as I have a valid hardship and working to save my home. I am working and making a valiant effort to negotiate a fair plan with WF.

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 09/18/2017 about Payday loan, title loan, or personal loan (Payday loan) with Risecredit, LLC (TX).
Issue: Loan payment wasn't credited to your account

Complaint: I called in to pay off my loan on XX/XX/17. The rep told me the balance and I explained I could n't make to the bank in time to payoff the loan in full because I was in XXXX when the hurricane Irma hit. He advised on XX/XX/XXXX to pay $ XXXXand they will waive the other payment of {$330.00} since I was in the hurricane area when the hurricane hit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (I do not know) with Navient Solutions, LLC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: General Revenue Corp is reporting to the credit bureaus that I owe a debt. I do not know any thing about this debt and I contacted them to try and obtain more information regarding the debt back in XXXX. They did not have any information other than an amount that I owed and requested immediate payment. 

I disputed the reporting to the bureaus and they came back as the debt being verified. As a follow-up to that I sent a letter directly to this debt collector requesting documentation and validation of this debt. 

I sent via certified mail with signature delivery. They signed for the package on XXXX/XXXX/2015. Per the FCRA they have 30 days to respond. I 've allowed them 37 days to account for time it might take for something to reach me by mail. 

This company has violated the FCRA in many ways and I want them to cease collections and remove all reporting from the XXXX bureaus or I will consider filing a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Application, originator, mortgage broker

Complaint: I had a home in XXXX, CO. and lived there with my wife. Her mother got sick and she had to move to XXXX XXXX, CO to take care of her. I stayed for a couple more years before I could transfer to a job closer to her. We rented the house for a while but when the renters left we could n't make the payments and the home was forclosed on. We filed backruptcy and the house was surrendered to the lender. 3 years later, and the bankruptcy is done, and we were looking to buy a house close to her mom in XXXX XXXX. The forclosure put us on the HUD XXXX list and we are n't eligible for a VA loan. The mortgage company has not filed a claim for the FHA loan so the 3 year waiting period to be eligible for a VA or FHA loan has n't even started yet, even though they have had the home back for all these years. We need help in getting the lender to make their claim to the HUD so we can once again be eligible to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Yesterday, XX/XX/XXXX I recieved a Warrent in Debt from XXXX XXXX Court House, In XXXX XXXX Virginia. 

It States I owe a debt with XXXX which I do. And Shows that XXXX sold my account to Cavalry in XX/XX/XXXX. 

I recieved no letter from Cavalry warning me of any suit or to resolve any debt issue. I was not provided the opportunity to excersise my rights to validate the debt prior to Warant of Debt Notice. Also the amount they state is $ XXXX. When I stoped payments in XX/XX/XXXX to proceed with setting up Financial Counseling with XXXX Solution who is My Debt Councilors the debt owed to XXXX was {$1400.00}. Somewhere there is an extra XXXX that I dont know where it came from. 

in XX/XX/XXXX I had attempted to place XXXX in the Debt Program with XXXX XXXX along with my other debts brought on by a series of events last year but XXXX denied the proposal for reasons unknown. Since then I waited to see if this would go to collections and no notices where recieved. Until yesterday I recieved a package of a warent in debt with a credit card statement. There are no letters showing anything from the Cavalry company. 

I ask that This can be resolved without court action. I have submitted a letter to them by researching their phone number online and finding a fax. I sent a leter via fax to XXXX today XXXX XXXX, XXXX know I had a debt of {$1400.00}. The most I can pay is {$30.00} a month for the current time. I 'm the sole provider for my family and my husband is XXXX. My children are only XXXX and XXXX. 

Any Help in understanding this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: My ex-wife and I filed bankruptcy XXXX15 years ago. The mortgage was never refinanced. My wife was awarded the house in the divorce. Chase, the non-loan carrier has now placed my credit card information on the same site as the mortgage information. Chase knows this loan is non existent as they already reported to the credit bureaus to remove the transaction info from the cleared loan from my credit history. I refuse to sit on hold while they transfer me around from operator to operator. I have contacted them twice on the website and received e-mails saying " this sensitive information is not available on the web, please call. '' Which is exactly my point. But why do I have to waste my life listening to their propaganda tape loop while they act like they are fixing their error. I want them to pay me for my time if I am going to waste it repairing their criminal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. 
This has negatively affected my credit score to a point that it is irrepairable at this point.

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 07-10-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BNY MELLON, NATIONAL ASSOCIATION (OR).
Issue: Fraud or scam

Complaint: I received a home equity line of credit from XXXX XXXX XXXX XXXX in XXXX Oregon. I used some of the money to pay off my XXXX XXXX account. A cashier 's check # XXXX in the amount of {$14000.00} was mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX Ref XXXX. Bank of New York Mellon fraudulently cashed the check and deposited the funds into their bank. Both myself and XXXX have contacted Bank of New York Mellon and as of today ( X/XX/2017 ), 55 days after they stole the money they have not refunded anything. XXXX has loaned me another {$14000.00} so I could pay off the XXXX account so now I 'm still on the hook for the missing {$14000.00}. I want my money back NOW.

Company response to consumer: Closed with explanation