milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage, Said I was a month behind in my payment ; I knew that I was n't, But just to play it safe, I went ahead and made another payment and then notified my bank and had a lady I know that works at the bank go back 2 years into my account and see if I had missed a payment ; She could not find a missed payment and she has been talking to Nationstar mortgage and keeps on getting the run around with them ; So I made an extra payment, That I said I wanted credited to principal and they have not been understanding that they are the one 's making the mistake!!

Company response to consumer: Closed
Consumer complaint received 11-11-2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Took a XXXX dollar loan. Was told there would be a XXXX service fee, but every 2 week they take out XXXX dollars and now they say my next payment will be XXXX for this XXXX loan I will have to pay XXXX to pay it off I would have never knowingly agreed to this the loan was through big picture loans. They told me the terms, had me sign then showed me my payments. I 'm trying to pay but I know I ca n't keep up

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is against Green Tree Mortgage Company, soon to be XXXX XXXX XXXX A few years back, I was unable to secure homeowner 's insurance on my residence because the Homeowners insurance company said that my roof was too old. As a result, Green Tree forced an escrow on my account to pay for Corporate placed insurance on my residence. This year, I was able to have a new roof put on my home, and as a result secure full homeowner 's insurance on my home. I paid for the policy in full. I then called Green Tree and asked them to remove the escrow account since there was no longer a need to have forced Green Tree Corporate Insurance. What would the escrow be paying for if the homeowners policy secured outside of Green Tree was paid in full? Green Tree refuses to cancel the escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I used my USAA debit card at a XXXX XXXX ATM on XX/XX/XXXX. I attempted to withdraw {$400.00} from my available funds. The ATM gave me an error message indicating that funds were not available and did not dispense any money. 

I immediately pulled over in the parking lot to check my account via mobile banking because I knew I had sufficient funds. My mobile banking app showed sufficient funds but also showed that the ATM withdrawal went through. 

I called USAA and they temporarily replaced the {$400.00} while they investigated. However, they withdrew the replacement money on XX/XX/XXXX citing a finding in favor of XXXX XXXX. 

I requested supporting documents in writing in compliance with their instructions, but never received a response, or my {$400.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with Flurish Inc. (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: i tried to open an account .the bank open and closed it right away. ny name is XXXX XXXX XXXX born XX/XX/XXXX ss is XXXX born XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Medical debt) with Simon’s Agency, Inc (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Received a XXXX and received a huge bill despit having insurance. Negative records on credit despit disputing it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Healthcare Collections-I, LLC (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an unknown collection listed I do not feel this belongs to me and disputed with no outcome or verification. Please help

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received notice from checking my credit report on XXXX that I owed a bill to XXXX  XXXX collecting for XXXX XXXX in the amount of {$700.00}, I have previously had this debt removed that was sent to several other collection agencies by XXXX & had explained to them that the account they were inquiring about was not mine but was my mother in law 's cable / internet when we lived with her, was not discharged properly due to us being evicted from her residence & having a guardian put over her finances & estate

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 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.

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 09/24/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been reported inaccurately to the XXXX credit bureaus for having late payments on a student loan in which should have been in forbearance. I was never informed by Navient that my loans were out of forbearance and now they have been reporting my student loans as 120 days late? That is unacceptable as I am a XXXX veteran and am i the process of trying to fix this. It has single highhandedly ruined my credit. This should never be the case especially when I was never properly informed of the issue. I only found out what they were doing by pulling a credit report. This company has very questionable business practices and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with U.S. BANCORP (MN).
Issue: Delinquent account

Complaint: I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (DC).
Issue: Taking out the loan or lease

Complaint: On XX/XX/2016 I purchased a XXXX XXXX from XXXX XXXX in XXXX XXXX, Maryland. I told the salesperson XXXX to pull my credit for XXXX XXXX XXXX, he replied ok and proceeded to give my loan application to the Sales Manager. XXXX returned and stated that the Sales Manager stated that XXXX XXXX XXXX XXXX was offering me a lower interest rate then XXXX XXXX and that will keep me in the price range of my car payments that I am seeking. I responded yes and instructed him to inform the XXXX not to pull my credit no more after he pull it for XXXX XXXX XXXX. He proceeded to the Sales Manager desk to inform him that I agreed to be financed with XXXX XXXX XXXX XXXX. After everything was done. I went into the finance officer 's office to sign the contract. The signed paperwork stated XXXX XXXX XXXX was my finance company. As time progressed, I did not hear anything from the dealership or XXXX XXXX XXXX so I decided to contact them on XX/XX/2016 since my 1st car payment was to be due on XX/XX/2016. I learned on that date from the finance manager that my car loan was financed with M & T Bank and not XXXX XXXX XXXX. I informed the dealership that I have not received any phone calls from them telling me that the lender changed from XXXX XXXX XXXX to M & T Bank. The finance manager provided me with the number for M & T Bank. I contacted M & T Bank and spoke with XXXX, Bank Manager. She apologized and stated that I can make a payment over the phone. I told her that I was not aware that they were my finance company and that I had no paperwork stating such. She said my simple contract has my signature with their bank name on it. I asked her to send me a copy due to my simple contract stating that XXXX XXXX XXXX is my finance company. To date, I have not received any information from M & T Bank and feels very uncomfortable with giving them any monies without seeing some type of paperwork from that bank. My car payment is already past due from them not sending me no paperwork. I am concerned about XXXX XXXX stating that my paperwork was a typographical error and they were not doing anything deceitful. At the present moment I am in limbo because I do not know where to turn to go to get this matter resolved. I was seeking legal advice. I contacted Maryland States Attorney Office and await a return call. Could someone please assist me in this matter?

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 10-07-2016 about Debt collection (I do not know) with Allied Interstate LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company continues to call from different area codes and phone numbers up tp 20 times a day after I have informed them to stop calling and to send whatever information they say is owed to them to the address on file which I have yet to receive, however the phone calls as of XX/XX/2016 have continued.

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 07-12-2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called the collection company in regards to the account asking for them to send me a copy of sign contract that I signed with there office. She told me that the collection was sent to there company and that 's why it 's reporting. I asked her to delete the account because I never signed and authorized contract with there company this was with the University i attended. She stated that they do not delete because it was sent over by the school. I ask her to send me validation she sent over a contract from XXXX XXXX  and not there office

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 03/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (DC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had 2 credit cards from CitiBank - A Thank You Preferred Card Opened in XX/XX/XXXX and a AAdvantage Platinum Personal Card opened in XX/XX/XXXX. 
Both of the accounts were in good standing with no payment delays. 

On XX/XX/XXXX, Citi closed both of my accounts without informing me about the cause or giving any notice whatsoever. Calling customer care was of no help. 

The card opened in XX/XX/XXXX was my oldest active card and the 1st credit card I had received after I came to US. As such, closing this card will have material impact on my credit score, which I have been trying to build over the last 20 months in this country. 
All my points associated with the cards are gone too!

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 10-05-2017 about Debt collection (I do not know) with Credit Bureau of Carbon County (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This collection agency XXXX XXXX XXXX employees were harassing me by phone and were following me at my place or work, waiting around my home since XX/XX/XXXX. the harassment was unbearable to the point where I had to do a private investigation. this is where I found that those harassments were coming from XXXX XXXX XXXX XXXX in Wy. they have 2 office in Colorado at the address of XXXX XXXX XXXX XXXX co XXXX and XXXX XXXX XXXX XXXX XXXX co XXXX. As soon as I got those information from my investigation I sent them a cease and desist letter by certify letter with return receipt on XX/XX/XXXX. up to today they never respond to me which is a proof that they were the hiding company harassing me. today XX/XX/XXXX I sent them another cease and desist letter by certify mail with return receipt through my investigation I found that they claim that I owe them some debts XXXX $ + $ XXXX. I do not recall doing business with them neither or had a contract and agreement with them. therefore I requested on my previous letter to sent me a copy with my signature on it of the contract or agreement that I had with them which give them the right to collect any debt from me, they never responded. I also requested a copy of any contract or agreement that they have with the original creditor of those debts which entitle them to collect them. they never responded as well. but the harassments continues. again XX/XX/XXXX I sent them the same cease and desist letter with the same contract requests. by law I have the right to remain free from those unlawful tactics of this companies used. they constitute harassments, stalking and etc. also under the FDCPa section 805 ( c ) it is my right to request them to case any so ever contacts. those requests was sent to their XXXX XXXX XXXX WY XXXX address. but since they know they do not have the right to collect any debts from me they still do n't respond to me neither stop follow me around or calling me. 
Reason why I am filing my complaint. this company have 2 offices in colorado one in XXXX XXXXXXXX and XXXX and they are a threat to the lifes of civilians in public

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have written to XXXX XXXX and TransUnion, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. TransUnion and XXXX ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security 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 non-monetary relief
Consumer complaint received 10-01-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Delinquent account

Complaint: I have a Macy 's American Express credit card that has never been activated as the sticker is still on the card. My wife was shopping early this year at Macy 's and the clerk was able to charge a {$13.00} dollar dress on that card by using my ssn. In XXXX, I noticed my XXXX score dropped from XXXX to XXXX from another credit card company which shows my score online and tells me the reasons of dropping was due to a serious delinquent account. I requested a credit report immediately and found the Macy 's card was delinquent with over {$70.00} unpaid balance. I called the Macy 's credit department and found my account was enrolled in a paperless statement program which I did not authorized. I explained that I never received any statements and communication about my pass due status and as a result of not having any notifications the initial {$13.00} became {$70.00} due to XXXX late fees and finance charges. The staff on the call was nice and explained the there was a system upgrade and that may have resulted not sending appropriate statements or notices and he waived all late fees. I then paid {$13.00} plus {$4.00} finance charge right way. I told him my score situation and he agreed to check and remove it. As months passed by, I still did not see my delinquent status removed from the credit bureau. I called later and was told it would be taken care of. It never happened. I just checked today and there was no removal of that serious delinquent status from the credit bureau. The card was never activated and a charge was put on by a store clerk. There was not statements sent afterwards and I was put into the paperless program without my consent. My credit score should not be negatively impacted by the errors I did not make. The {$13.00} dollar dress now has caused my score decline from excellent status XXXX XXXX XXXX to fair status ( XXXX ). I was trying to refinance my mortgage and could not get a good rate because of errors made by Macy 's. I request Macy 's to remove the negative info from all reporting credit bureaus and restore my credit rating.

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 11-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX XXXX University in XXXX, XXXX in XXXX of 2010. I started on my XXXX with University XXXX XXXX XXXX shortly thereafter. I have some private loans through Navient that I ca n't pay. I 'm unemployed. My cosigner has helped with my payments as much as she can but it 's too much of a financial burden to continue. I attempted to enroll in an extended payment plan that would greatly decrease our monthly payments. I first attempted to enroll in this program in late XXXX. I was told everything was squared away once my cosigner gave her financial statement. We canceled the auto-payments from her account. Once the new program was set up we were going to use a different bank account. But then payments were still being taken from my cosigner 's account. They took money out of her account several times. We called to rectify the issue. Every time we called, Navient would say another issue had come up or some data had been entered incorrectly. They said they were " making notes '' on my account so that the problems would be fixed. None of the issues have been solved. Navient told us that my application for the repayment plan had been denied because their supervisor never looked at it. He said he would make a note to have it expedited. It never happened. A representative last week told us that it was fixed and my loans were in forbearance for a month and the new payment plan would begin in XXXX. Yet my cosigner received an email that money is about to be taken out of her bank account. We received more emails saying that the program was denied with no explanation. I called Navient again today and they are still giving us the runaround. They said today that my cosigner must give another financial statement. And because they wo n't begin the payment program -- that I 've already made a payment for to enroll in -- my loans are now delinquent. They will not solve the problem. I asked today for copies of the notes they I 've been told are on my account but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit card is a business credit card, but is showing up on my personal credit report and should not be. There are numerous shareholders in this company and the card does not show up on their credit reports. My personal credit has nothing to do with the business credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.

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