milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Mortgage (Conventional fixed mortgage) with Nudge Funding, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: This complaint arises out of a loan application from XXXX ( NMLS # XXXX ). The complaint is : ( 1 ) improper statement during an initial phone conversation about available rates and the ability to change interest rate after lock-in ; ( 2 ) failure to correct loan disclosures and other documents ( e.g. loan application ) when asked several times ; ( 3 ) failing to stop sending e-mails asking to sign loan disclosures after loan application was cancelled ; and ( 4 ) continuing to inform me that I had to sign improper documents. 

On or about XX/XX/2017, I was shopping online for a mortgage quote. After speaking with XXXX XXXX ( NMLS # XXXX ) at XXXX about the mortgage rates, I questioned him about a {$450.00} " lock-in '' cancellation fee. He indicated that that fee had only been charged one time in 8 years and that it only related to if the loan details substantially changed. I specifically asked about whether the interest rate can be changed after the lock-in and he stated that it could change. Once I received the initial disclosures, application, and other documents ( the " Documents '' ), I noticed a errors in the Documents. XXXX stated they would fix the errors but told me that I would have to sign the existing Documents and they could n't generate new ones. On XX/XX/2017, I spoke with a supervisor about the issues with the Documents, that the amount quoted online was different, and that the interest rate was now lower. I requested all of these items to be changed. The supervisor informed me that it does n't matter if the Documents were incorrect I was just signing that I acknowledged they were received. However, the Documents included much more than what was indicated on the phone including without limitation the actual loan application, request for tax transcript, etc. In addition, despite the original conversation with XXXX that I would be able to change the interest terms, XXXX XXXX XXXX failed to honor its original obligations to lower the interest rate. I informed them I no longer wanted to do business with XXXX. I received an e-mail stating the loan application was cancelled. Thereafter, every day I kept receiving e-mails from XXXX asking me to sign the Documents. On XX/XX/2017, I e-mailed XXXX asking him to stop the automatic e-mails. He responded by stating : " Unfortunately the only way to get rid of those daily reminders is to sign. The reason is the government requires that we keep a record of the disclosures, therefore we can not delete them. As well as a record of the borrower acknowledging they received them. '' XXXX failed to let me know that I could select " decline to sign '' on the application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Debt collection (I do not know) with Global Portfolio Recovery, LLC (VT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Left detailed voicemail message on a work phone that is not private. I was informed of this message by a co-worker. I have spoken with this company in the past who also refuses to provide me with any verification of what debt they are calling about. They have been asked to not contact me at work in the past but still call.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXXAccount XXXXChaseXXXX XXXX Ohio XXXXJust received another telephone call today that was rude, arrogant and very antagonistic. I 'm told by Customer Service folks that the telephone call was from your default section of Chase. 

You have been told to stop these antagonizing telephone calls and correspondence with this threat. You continue to ignore my instructions to stop. Once again these calls and letters with this threat must stop. 

On hold for XXXX minutes so far today and still your representatives lie and tell me there is a law that requires them to make this threat. Left message for XXXX XXXX ( sp ) for a call back. Betcha it wo n't happen. Talked to a XXXX XXXX ( sp ) and he refused to forward the call to his supervisor after repeated requests. 

XXXX XXXX tells me that he is calling in the loan. Well now, just how do you think you 're gon na do that? THE LOAN IS CURRENT! IT HAS NEVER BEEN LATE! 
Told him to send that to me in writing ; he refused. 

This situation is intolerable and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!

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 04-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.

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 05-11-2015 about Consumer Loan (Installment loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Managing the loan or lease

Complaint: have just been treated very poorly by XXXX different members of the navy federal team, XXXX in the loan payment dept an intake person and a supervisor, and a third person XXXX in their customer service dept ( which is a joke ) ..i refused to verify my business email ( which i do not use for my personal banking ) ... the first girl refused to take my payment, which she could have verified by many other means, i have had this car note for over 10 years and i used to be an employee of navy federal ... the supervisor refused to take the payment as she doubted my ownership of the business account at another bank ( gee wonder why i do my biz banking elsewhere? ... could it be lack of service and customer care from navy federal? ) ... .i am the president of my corporation and see this as a real insult ... so here i am at XXXX on a monday morning trying to get my bills paid so i dont cut into my " sales time '' with my customers and i am dealing with XXXX " too uptight '' employees that are refusing to take a " payment '' on a car note ... .what kind of institution is this ... perhaps you are so used to bullying the young military personnel and their spouses that you routinely deal with ... that you have forgotten your customer service goals ... i am extremely disappointed in the level or nonexistant service that i have received this morning ... you have wasted an hour of my valuable time ... and i am having to mail a payment in snail mail ... due to your poorly trained personnel ... am forwarding a copy of this to your ceo ... .i am embarrassed that i formerly recommended this institution ( navy federal ) to other family members..i will address this issue quickly and post this on XXXX so others can be aware of your treatment of your " members '' ... .which apparently you dont care too much about retaining ... XXXX XXXX, Pres/ceo XXXX, XXXX florida .... 

their employees were combatitive, insisted i was receiving email confirmations of payment ( when i am in fact receiving confirmations via postal service ... which is my preference ) ... 

the employees exhibited no good faith customer service effort to collect the payment on behalf of the lending institution and to help avoid the consumer going into a late payment status ... .by refusing to accept the payment from me on a timely basis. 

argued with me over how past payments had been made argued with me over whether or not my name appeared on these outside banking accounts a very poorly run credit union where membership means nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I took out a federal loan on XX/XX/1992 at the time I was only XXXX years old and had no legal guardian present to authorize the loan. The school in question XXXX XXXX XXXX XXXX located here in XXXX is now closed and has been for quite some time due to these fraudulent practices. Since then I have experienced extreme financial hardships and have had several of my federal taxes seized and offset. The loan was a stafford loan and one of the lenders was with XXXX and now Pioneer credit corp is the agency trying to collect this debt. The loan has been handled by several different agencies in the past and continues to haunt me. I dont feel I am legally responsible for this loan due to my age at the time and desperately need this matter resolved forever.

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 04/20/2017 about Consumer Loan (Installment loan) with Zingo Cash Illinois LLC (IL).
Issue: Problems when you are unable to pay

Complaint: XXXX  from  Zingo Cash c onstantly calls me at work. I can not accept personal calls at work.

Company response to consumer: Untimely response
Consumer complaint received 10/13/2016 about Consumer Loan (Vehicle loan) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Shopping for a loan or lease

Complaint: Auto loan shopping not counted as a single inquiry. Transunion has XXXX inquires made upon the same day and did not count the inquires as a single inquiry.

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 04/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address in which I have never lived at. The address is  XXXX   XXXX   XXXX   XXXX  CA  XXXX . I do n't know who listed that address in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I previously paid the debt to diversified consultants and they continued to report negative information to transunion almost every other week. I never signed a contract to diversified and I never recieved a bill nor have they ever verified or validate the debt I paid to have this negative account t off my report as I 'm trying to buy a house it was showing negatively on my report and every time I contact them I always get the run around sometimes they even tell me I did n't paY them when I have proof I did

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Reving my credit score I see some things that I do now that will need to dispute on my Credit XXXX is from XXXX I paid my bill on time every month XXXX day the sent me a XXXX bills said the meter was read wrong trying to get me pay all XXXX bills plus my monthly because XXXX meter was read wrong and they admit it was there fault. Also XXXX other items was XXXX apartments I stayed in was XXXX for both I was on XXXX. they saying I did n't pay info was incorrect if I did n't pay I would n't have effected and would n't been still on the program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax repeatedly prevents me, despite being a victim of ID Theft from receiving my copy of my federally protected CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WV).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: In XX/XX/XXXX I deposited my tax refund into my bank account. They did not tell me I would not have access to all my funds. They only have me {$40.00} of it and I did n't know. It was a XXXX dollar refund approximately. My car was in the shop. I used my card to pay for the repairs. It over drafted my acct {$500.00}. Even though my money was in pending status. Now they are after me for XXXX. I have never received a notice. They are threatening legal action and serving of papers. I tried to work out payment arrangments I can afford but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (I do not know) with ASSET MANAGEMENT OUTSOURCING, INC. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with DISCOVER BANK (FL).
Issue: Account opening, closing, or management

Complaint: Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.

Company response to consumer: Closed with explanation