milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Payday loan () with Sunset Management, Inc (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$260.00} and had to pay back {$700.00} in order to successfully complete the loan. now I can not stop the finance company from contacting me. Sunset finance company has made several House Calls ( meaning sending persons to my home to collect a debt ) I have been in contact with the finance company and also have made agreements to pay they still continue to call and send out workers to my home. The branch manager XXXX XXXX XXXX is very disrespectful and she also demands payments upon speaking with you. She accused me of having a additude and is also very rude to her borrowers if they can not make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been receiving Wells Fargo billing on a student loan more than 14 days late. I have saved the post marked envelope as proof. The notices fail to show why the payments due increased and fail to show balance of loan. The habitual late mailings appear to maximize Wells Fargo late fees with the absence of transparency. I have faxed a request to negotiate a pay off number and Wells Fargo has refused to define a number via mail, as requested.

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 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This letter is being sent to you in response to the above reference account that EOS CCA has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED! 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for-HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW! 
Explain and show me how you calculated what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED BY LAW! 
Identify the original creditor- HAS NOT BEEN PROVIDED IN TIME FRAME ALLOWED BY LAW! 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED BY EOS IN THE TIME FRAME ALLOWED TO THEM BY LAW! 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN LEGALLY PROVIDED IN THE TIME FRAME ALLOWED TO EOS BY LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16 I requested that a wire be sent from my checking account at Capital One to XXXX XXXX XXXX XXXX ( a fully licensed New York State virtual currency dealer ). I had previously sent a wire to the same company XX/XX/XXXX. This time however, the wire was never sent and when I contacted the bank they indicated that my accounts were frozen. Over the next few days I placed numerous calls to Capital One and was directed to either the security dept of XXXX, both of whom have hold times of over an hour. I spent a total of approx 6 hours on hold over a 2 day period only to learn that my accounts were being closed because the wire I requested was being sent to a company which deals in XXXX, a virtual currency. This prohibition is not in their terms & conditions nor in any other pulished material provided by the bank. Apparently Capital One bank considers bitcoin a threat to it 's business model and sees fit to keep people from spending their own money how they see fit. I was annoyed, but it is what it is. I requested that Capital One please transfer the balance in my accounts to my linked account at XXXX XXXX. They said it may take a couple days, but that they would do so. Additionally, they said that I would receive and email detailing why my accounts were closed. That conversation occurred on XX/XX/XXXX. I have tried to follow up many times but the bank has actively avoided speaking to me about the issue. I have been disconnected multiple times while holding for the dept who would be able to provide answers. If it occured once or twice, I would accept that it was just a disconnect ... but when it occurs 5 times and ONLY when I am holding for the XXXX XXXX Dept., then the chances of it being random are astronomically low. They are currently holding approx {$10000.00} and have given no reason for the siezure nor any indication that they will ever return the money. There has been no levy, garnishment, tax siezure or anything of the sort. I have not committed fraud nor am I under investigation for anything ( though I guess if I were, I would n't know about it, would I? ) As far as I know, they can not sieze depositor funds at will with no reason provided. I would like my money please

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Conventional home mortgage) with FIRST GUARANTY MORTGAGE CORP (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I began a refinance process for my home mortgage the first week in XX/XX/XXXX. At that time, I sent every piece of documentation to GoodMortgage.com within 12 hours of their request. They charged me {$600.00} for an appraisal and they hired the appraisal company. The appraisal came back with a list of inaccuracies. I contacted GoodMortgage right away. Their solution was that I pay for another appraisal. I argued this was not my responsibility that the company they hired failed to deliver the proper service. On XX/XX/XXXX, GoodMortgage called me at XXXX stating they would pay for another appraisal. At that time, my mortgage was paid. I complied to their rushed appraisal on Sunday, XX/XX/XXXX. I heard nothing from the company for more than a week. Then, Friday, XX/XX/XXXX, I was told we were cleared to close and would close either Saturday or Monday. Monday came and went. There was a couple more documents that were requested and I sent them within 15 minutes. I received word on Wednesday, XX/XX/XXXX that we were cleared. Now, they are not closing on the loan and are refusing to communicate with me. I have lost {$600.00} in fees from GoodMortgage and accrued two late payments, totaling {$200.00}, due to their failed delivery of their promises. I have multiple emails, voicemails, and texts as proof. I will now need to start over, incurring more costs.

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 01/31/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The loan servicing of our first mortgage was sold by XXXX to Nationstar Mortgage in XX/XX/XXXX. Our XX/XX/XXXX payment was lost in the transition. XXXX has acknowledged that they received our payment on XX/XX/XXXX, and then sent the payment to Nationstar on XX/XX/XXXX. Nationstar claims they never got it. We have been a month behind with Nationstar ever since. Additionally, we have been paying above the required payment amount, yet Nationstar has not been applying that to principal as is common practice. They have been putting the money in a suspense account. Unless I ask them to, they do not apply it. I have called Nationstar XXXX times ; sent emails XXXX times, including filing a claim with them for the lost payment. A subsequent call to their Customer Service department said our claim was declined, although I never received any correspondence to that effect. We are getting saturated with late payment collection calls ( almost daily ) and notices about how they can help if we ca n't make payments. Totally not the issue here. 
My last conversation with them was on XX/XX/XXXX. My mortgage broker and I tried to work our way up the food chain - c/s rep, c/s supv ... - landing on a c/s manager named XXXX. XXXX promised a call back on Monday XX/XX/XXXX @ XXXX a.m. with response after speaking with his Vice President. On XX/XX/XXXX, I called and asked for him. Either he was n't there or was n't taking calls, nobody was sure, nor did them seem to even know who this guy is. To date I have made numerous attempts to resolve this with Nationstar. At minimum, they should bring ouraccount current as they have the confirmation from the prior servicer that my loan payment was received. What they do in the background to get their money is for them to do and not in any way affect my/our status and credit. Of note : because of this payment being " misplaced, '' our XXXX for XX/XX/XXXX will now be incorrect and I fear XX/XX/XXXX reporting will not be accurate as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX is reporting a debt by a company named XXXX XXXX. I have never done business with this company before, I have no signed contract with this company. I am not liable for this debt in the amount of {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Payday loan) with Sullivan Asset Management, LLC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called to make a full payment on a old debt account that I have reported on my credit. I have been in previous contact with this company XXXX for a XXXX XXXX account in the amount of {$310.00}. My representative there is XXXX, she said she could n't wave any amount of it and I needed to pay it back in full so I told her that I will pay it back but at a later time when I get more money saved. I now had the money to pay it off so that I can have it off my credit report. Called the number which I thought was the correct company, I asked for XXXX and the lady who answered said that she was in the office at time moment and that she could help me. I confirm my account and the balance amount of {$310.00} and she took my payment over the phone and said she would forward this to my account representative XXXX and that I should received a confirmation of payment and that It would be updated within a few weeks with all XXXX credit bureaus. On XXXX/XXXX/2016, my credit report updated and I didnt see this account update. I called XXXX and they said I didnt make the payment and I told them yes I did, I called made it on or around XXXX XXXX, 2016. I went thru my emails and I found a receipt for a " Sullivan Asset Management ''. I do not have any knowledge of a account with this company and the payment made was not intended for this account. It was specifically for my XXXX XXXX XXXX account for {$310.00}. I have been mislead to pay an account which I have no knowledge of and this company misrepresented themselves as to have me believe I was paying the correct account that I have reported on my credit report. I saved up money to pay the account that I owe and is being reported on my credit and I am in disbelief that I was mislead to pay a completely different account. I am not trying to hide form any debts but this company " Suliivan Asset Management '' misrepresented themselves in order to received a payment that was n't intended for them. I called Sullivan Asset Management this morning XXXX/XXXX/2016 and used the phone number that was on emailed receipt. The lady I spoke too wouldnt give me her name and said that I was mistaken because there is no XXXX here. I explained to her that this was misleading and a mistake. When I made my payment I confirmed the amount owed and who was my representative. She once again just told me that I was wrong and that there is nothing she can do. Again wouldnt give me her name. I have now paid into the wrong company because they misleading me into believing I called the correct place.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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 am submitting this compliant in regards to the numerous efforts of faxes, phone calls and certified mailing letters to notify the following credit bureaus of inaccurate information they are reporting on my credit report. I have been in dispute with Equifax, XXXX, and XXXX in regards to having unauthorized inquiries removed along with other inaccuracies. All companies have failed to comply with the Fair Credit Report Act Section 611 ( a ) ( 1 ) ( A ). In fact the credit bureaus were also advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I have repeatedly asked for them to additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. None of the credit bureaus have been complied with the verification method used or supplied the requested evidence as outlined in my numerous letters mailed which are attached along with the certified mailing receipts that confirm when they received all my notifications about the inaccurate information and my responsibility as a consumer to report such inaccuracies. However despite the numerous attempts to reach out to Equifax, XXXX, and XXXX the matter has yet to be resolved. I am formally filing this compliant which I have maintained careful records of my communications with the credit bureaus and gave them the applicable time as required, which I have outlined in my numerous letters, should they continue in their noncompliance as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). None of the Bureaus can validate this information being accurate into their findings, but they continue to claim the information is " verified '' but with NO proof of the documents requested. This has been going on for over 12 months and yet no resolution into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Federal student loan) with Reliant Capital Solutions, LLC (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: -In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ). 
-I was originally set up with a payment plan to pay off my debt. 
-I kept getting statements from the every month but it did n't seem that my 

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Mortgage (VA mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage broker constantly sells my mortgage. This has been an administrative headache on my end. I refinanced with this mortgage broker, and the buying/selling happened again. I inadveratently sent a payment to one of the preceding companies that had my mortgage and now they wont refund me my XX/XX/XXXX mortgage payment. They keep saying it is being researched and it is in the " cashier '' deparment. I paid them ~ {$2200.00} on XXXX XXXX and it is XXXX XXXX. This has caused a major financial burden as my mortgage payment needed to still be paid for XX/XX/XXXX, and now I am due for XX/XX/XXXX.

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