milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Student loan (Federal student loan servicing) with SLM CORPORATION (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: Late fee

Complaint: I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I s ent two n otarized dispute letters to  XXXX  different credit bureau (  XXXX  and Tranunion ) by certified mail. I received notification that both letters were received. Fast forward over 30 days no response from either credit bureau and they did not note that the accounts were being disputed within the 30 days when I would pull the reports several times during that 30 day period. My disputes were ignored.     Transunion never responded but they decreased  my credit score   XXXX  points instead. However there were no new inquires or credit, my credit utilization did decreased, no new late payments or new collection items and no new accounts closed. I never received a response from either credit bureau. They did not delete anything either.     Please see the below certifiied letter USPS tracking numbers.      XXXX  tracking number #  XXXX  Transunion tracking number #  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
Consumer complaint received 02/27/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction issues

Complaint: My friend, XXXX XXXX, had a PalPay account. He passed away in XXXX 2015. His PayPal account was attached to my bank account which he was also a signer. I continually receive emails that there is fraudulent activity being attempted from PayPal to my bank. I attempted to close the PayPal account on line but the only way to close the PayPal account is to have PayPal send a text to his phone number that has been disconnected. I have contacted PayPal several times and they refuse to close his PayPal account, even though there its no activity other than these fraudulent attempts over the last 5 months. I should not have close my bank account since I has had this account for over 20 years and its attached to all my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The following agency is not bonded in the state of Texas, and can not legally collect debt.   Please remove form my credit repot and confirm that deb is not owed.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX has been removing inquires from my report due to error and the reinserting the inquiries without legally notifying me. I have called on several occasions to their customer service number to have them removed via Section 611 of the FCRA about having to be notified within 5 days of any changes to my credit report, but they will not listen to me, even with having a fraud alert placed on my credit report. I would like this matter resolved immediately. The dates are as followed : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX ( 2x ) ; XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX -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
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: XXXX XXXX, XXXX, XXXX XXXX, Ca XXXX Loan # XXXX NationStarMy name is XXXX XXXX, I have a XXXX loan which was modified in XX/XX/XXXX to 2 % step up. At the time of the loan Mod, the details were unclear and told to accept as my prior loan was at 6.875 % interest only. I have paid my loan on time and NationStar Mortgage now holds the loan. I work as a volunteer with a HUD approved Housing Counseling organization XXXX and our group have helped over XXXX homeowners keep their homes. I was written up in the Ca. Law review for exposing lenders bad practices. I am writing about the Pay for Success incentive offered by XXXX XXXXwhich states that payments made on time for 1st 5 years get {$5000.00} applied to principal reduction and 6th year another {$5000.00}. applied to principal reduction. I called Fannie Mae XX/XX/XXXX and they verified that I was eligible as a XXXX loan and advised that I should have been given the first {$5000.00}. XX/XX/XXXX. I called NationStar Mortgage and tried XXXX times to make contact. When I was able to speak to someone, it was rude and told that they would foreclose if I could n't make payment. That was not my question. It was about the Pay for Success Incentive. I also wanted to see if I could set my interest rate. I had received notices from NationStar that my loan was fixed for XXXX months.The last conversation was that they apologized for not putting the incentives on paperwork when they purchased the loan. Then I received a call that I was not eligible, then I was. 
I am entitled to this incentive and request your help in obtaining this incentive. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: CITI closed my new BrandSource credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 04-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX in XXXX, NC has refused to remove a derogatory account on my credit report. I lived there from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. I left there with a zero balance. I have called numerous times to have them fix the account, and they will tell me it will be taken care of, and it is still on 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 explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Credit decision / Underwriting

Complaint: I received a XXXX Cancelation of debt for this account. Please remove this account from my Experian Credit Report as the retention time has expired and it is causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am XXXX and could not work for over 3 months. I like to work PT just to get out of the house. I explained to them what had happened and I would try to pay what I could. Being on XXXX. XXXX is not very lucrative considering I used to make {$19.00} an hour before I became XXXX. I keep that PT job to make up for these other bills that I can barely pay trying to avoid bankruptcy. They call constantly ... .EVERYDAY ... ALL DAY LONG. At one point ... They called me 5 times all in a row like a pyscho stalker. One right after the other!!! I do n't know how many times I got to tell them the same story but they are not making my life any easier right now as I am looking at XXXX # XXXX here soon. I wish they would stop hounding me like this. They basically call on the hour, Every hour from different numbers. This is how bad I get harrassed!

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I pre-qualified with Bank of America on a FHA purchase loan. After finding a property and signing a purchase contract i also was pre-qualified with XXXX XXXX XXXX. My purchase contract was accepted by the seller on XX/XX/XXXX and on XX/XX/XXXX I informed Bank of American I was going to go with XXXX XXXX XXXX as my lender. Since BofA had already pulled the FHA Case number I requested via email that the case number be transferred to XXXX. After many request by myself and XXXX to Bank of America to transfer the case number nothing has happened. As of today XX/XX/XXXX the FHA Case Number has not been transferred. Request were sent to the loan officer XXXX XXXX XXXX XXXX and his manager XXXX XXXX. Both work in the XXXX XXXX XXXX XXXX, CA XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Their contact information is XXXX, XXXX and XXXX, XXXX. My contingency are coming due and I must release my contingency or fear losing the home or my earnest money deposit. I do n't believe a company should be able to hold my loan " hostage '' because I decided to go with a different lender. I had not signed a loan application or received and LE when i informed BofA of my decision to change lenders. All I want to do is have the case number transferred to XXXX XXXX XXXX so I can move forward. FHA Case number XXXX Thank you.

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 12-10-2017 about Debt collection (Credit card debt) with ISIS SECURITY INFORMATION SYSTEMS INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XX/X/2017 {$230.00} XXXX XXXX withdrew this amount from my bank account without permission and without any legal rights. I have called the company and stated my complaint but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I received a promotion from American Express for XXXX Membership Rewards points for spending {$4000.00} in 90 days. I completed the criteria for the promotion, the XXXX points posted in my account but they are frozen and I am unable to use them. I called to make them aware and they said it would be under review for XXXX8 weeks ( would not explain why ). I called back again after 8 weeks and they said it would still be a longer period of time that they 're under review. The points are sitting in my account but for some reason I 'm unable to use them, they still will not tell me why. I am trying to book a flight for XXXX and use these points. I 've spent countless hours waiting on hold for supervisors and explanations and have not gotten anything of substance. This is my last resort

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Transaction issue

Complaint: I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..

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