milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Other

Complaint: I was just recently notified by my credit bureau that my score dropped over XXXX points. I immediately went online to check it out to find that CapitalOne was reporting me over 30 days delinquent. I knew I had not used the card so I immediately thought fraud. However, after calling CapitalOne, I was informed it was from the annual credit card fee and by now received XXXX late fees. I did not receive any email notification or any statement in the mail. I checked everywhere. CapitalOne agreed to waive the late fees and update my credit bureau. However, they are unable to expedite the request and force report to the credit bureaus. I am in the process of purchasing a mortgage and as a result I will be charged a higher interest rate, my mortgage payment will be higher, and delay the process of purchasing our home. This is XX/XX/2017 and a credit card company can not expedite a credit bureau update per their error? They stated I would have to wait till the account cycles. That is three weeks from now. This needs to be done now!

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Auto debt) with CITIBANK, N.A. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been disputing this for over a year now. I have letters from  XXXX  of   XXXX   that was sent asking  XXXX   XXXX  an d Citi Financial to se nd me a payment history, which they refuse to send because th e SOL in North C arolina have ran out and they are re-ageing the account to add a negative report on my credit report.  XXXX  has removed it because they would not verify the information. I 'm still disputing it with  XXXX  who refuse to send me the verification as well. I 'm  giving both NCB management a nd  XXXX   XXXX  15 days to comply with my dispute or I 'm taking them to small claims court which they would have to provide what I 'm asking. a payment history. this is my final attempt to contact them. I will see them in court. THIS IS MY FINAL ATTEMPT. I have sent more certified letters again. still no response to what I 'm requesting. a payment history

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 12/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: We had a loan with Nationstar and refinanced this load with the same company. When we did the loan paperwork greenlights name showed up and we were told that it was owned by nationstar and payments etc would go to XXXX. In seeing a loan origination fee, I said is that so they can charge this loan origination fee, the closer laughed and said guess so. When the XXXX came it did not include the payment on XX/XX/XXXX. I have sent them proof of payment of all payments to date. Earlier this year they said my first payment was not due until XX/XX/XXXX and so that payment went to greenlight and they have nothing regarding this. I advised them that I had checked and greenlight acquisition happened before XX/XX/XXXX and further more this payment was a electronic payment directly into NationStar 's banking account and that no XXXX was ever received from greenlight. I have spent three years trying to straighten this out and they have done nothing to resolve this. I really need the government agency to step in as I know believe I am not the only person this has happened to. XXXX and XXXX, CO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I currently have an active Best Buy Credit Card and have recently been charged over {$700.00} of interest charges from a purchase from a promotional balance that was due by XXXX 2015. The issue thatI have is that each month I have been paying $ XXXX {$200.00} more than theminimum payment so that I would not have this issue. I recently called the credit card company and they said there was nothing they can do. I was specifically told that if I wanted to pay my promotioal balance I was to pay more than the minimum payment. I did thisand do not have an extra {$700.00} to just throw away. I would like best buy to credit me the difference in each payment I have made like they said would be done so that I do not need to pay anadditional interest fee of {$700.00} on top of my current balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with NELNET, INC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet is constantly re aging my account adding on late fees. I opened this account in 1998. I never received notice about my account status being out of forbearance or late at all. I was in the miitary for 10years and worked with XXXX. I was told that I could not get a forbearance. I am on public assistance I cant get a job in my field because of the late payments. Please help me they are not willing to work with me

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On my credit report showed debt owed that was not mine. I do n't think about checking my credit report since I keep up with what I spend or bills I have. So sad and very upset this has happened. Would not have known, but looking for a house and lender spotted it. Today i spoke with a representative about filing a complaint. She was extremely kind. Three hours later! So glad she was out there to help!! Now though it hurts the interest rate locked in we can get for the house. Be wise and and put checking your credit SCORE on your to do list!!! Most definitely.There are more steps to take in making this good. Hoping and praying they make it right!!

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 11/25/2015 about Mortgage (Conventional fixed mortgage) with Nationwide Biweekly Administration, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Sometimes in XXXX XXXX, I have enrolled a XXXX party named National Biweekly Administration ( NBA ) for biweekly payment. The person who contacted me for this promotion was as follows : XXXX XXXXEnrollment SpecialistNationwide Biweekly Administration, Inc. 
855 Lower Bellbrook RdXenia, OH XXXX XXXX XXXX faxOn XXXX XXXX, XXXX National Bi Weekly Administration ( NBA ) sent me an email saying that '' Unfortunately, we write today to inform you that due to the loss of NBA 's banking relationships, your account will be TEMPORARILY deactivated effectively immediately .... This is not your fault, and we are working hard to resolve this situation as soon as possible. The most important things that you need to know are that:1. If we debited your account sufficiently in XXXX, NBA will make your next payment due XXXX XXXX, XXXX ; 2. We will NOT be debiting your account in XXXX. 
3. YOU will need to make your next FULL LOAN PAYMENT due XXXX XXXX, XXXX directly to your lender yourself ; and4. If there are any funds remaining in trust after NBA makes your XXXX XXXX, XXXX payment, they will be promptly returned to you. " However, the NBA did not offer reimbursement of all the fees that they have charged me so far for this service. My problem is I was left with the obligation to set up a bank payment and make the payment directly. I called NBA customer service but they do not respond and no live customer service representative is there to take my call. I am requesting a prorated refund of the setup fee paid them including the service charge applied to the last refunded withdraw. Also written confirmation that the account is cancelled and not just suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This was on my credit report years ago.. I wrote XXXX credit bureaus, XXXX.. I disputed owing this bill this bills years ago.. All XXXX credit bureau dismissed an removed this from my credit report. Now i am getting threating letters again from Convergent. Same bill XXXX I so not owe this bill. Please stop this. Stop the harrassing letters etc..

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My report was attained fraudulently and I disputed with Equifax. Equifax refuse to remove the injuries stating they are factual but have n't given me any description of the procedure used to determine the accuracy and completeness of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed for a mortgage loan deferment with XXXX XXXX because I was recalled to Military XXXX. I have an approved mortgage deferment agreement and yet XXXX XXXX still reported me as delinquent from XXXX to XXXX 2015. Thus, this really hurt my credit score and unable to obtain a car loan. Herewith attached is the deferment agreement pertaining to my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has been late paying my real estate taxes incurring late fees of {$230.00}. They have deducted XXXX tax payments from my account totaling {$2700.00} that have not been received by my town over the last 4 months which I consider missing. Furthermore they have removed over withdrawn my account in negligence for {$770.00} above what was due by deducting an extra payment which is XXXX of the XXXX missing payments. 

A full explanation can be found in the supporting documents. I have spent nearly 3 hours on the phone with the company trying to resolve this matter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made purchase using my American express credit card, when I received my bill I sent a payment of {$5000.00} and the check was cleared, from my XXXX XXXX account, i then sent another check # XXXX for another {$5000.00} on XXXX XXXX 2017, American express, then sent me a notice that my check was returned unpaid, i then contacted the bank, and the bank told me there is no record of any attempt to endorse the check, and the money is available, i then contacted American again and spoke to a manager, she told me it will be resolved, and they will try to endorse the check to get the money, but they never did, then sent me an invoice, including the payment i already made for the {$5000.00} and interest and finance charge for the entire amount, the money is still awaiting for American to take from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying on this debt for over 7 years. I recently fell behind due to unemployment. They gave no relieve for months. Sent me an intimidating letter stating I was going into default and it would ruin me. I called them again, one of many times to explain my situation. They first offered me a payment of XXXX dollars of which nothing goes to the loan and would postpone the harassment for XXXX more month. When I explained my loan payment is normally less than that they recanted. Asked me a lot of intrusive questions about my living costs and then said we can just charge your normal month postpone the default and its even less than the XXXX. These people are predatory and untrustworthy. They should be put out of business. No other response is acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Consumer Loan (Vehicle loan) with U.S. Auto Credit Corporation (NC).
Issue: Problems when you are unable to pay

Complaint: I am currently in default of my vehicle. I have provided the company with all documentation that has caused my default. I called today to make arrangements to pay the full balance on XXXX/XXXX/15 and they are refusing to accept my payment. But are making statements that I will have to pay fees to retrieve the vehicle from repossession. In addition, I feel the contract was forged because the car was initially only work {$5000.00} and now the loan is up to $ XXXX because apparently they gave me the full amount that I qualify for even though the vehicle was not that amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: MY NAME IS  XXXX   XXXX  I HAVE AN CHECKING ACCOUNT WITH BANK OF AMERICA WHICH MY ATM CARD WAS FRAUDULENT USED ON THE  XXXX  OF  XXXX    XXXX   WHERE SOMEONE WHO 'S NOT AUTHORIZED USED MY CARD FOR OVER {$6000.00} WHICH BANK OF AMERICA LET WENT THROUGH BEFORE BLOCKING MY ATM CARD I GOT A TEXT MESSAGE FROM BANK OF AMERICA ABOUT THE FRAUDULENT ACTIVITIES, SO I FILE A DISPUTE AND ALWAYS REPORT TO THE POLICE I GOT A POLICE REPORT WHICH I I FAX TO BANK OF AMERICA, BUT BANK OF AMERICA DENIED MY CLAIMS AND TOLD ME I NEEDS TO GO INVESTIGATE THE CASE WITH THE POLICE WHEN I WENT BACK TO THE POLICE THEY SAID BANK OF AMERICA IS RESPONSIBLE FOR MY MONEY THEY ONLY WRITE POLICE REPORT AND BANK OF AMERICA REFUSE TO PURSUE MY CLAIMS STATING THAT I TOLD THEM I HAD THE CARD IN MY POSITION WHEN THE ACTIVITIES HAPPEN WHICH I DID NOT SO KNOW I DO N'T KNOW WHAT TO DO, SO THAT 'S WHY I WANT TO KNOW IF YOU CAN HELP ME, YOU CAN CONTACT ME FOR ANY MORE QUESTIONS AT  XXXX  OR EMAIL AT  XXXX  XXXX  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 monetary relief
Consumer complaint received 08/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing Inc. Is attempting to collect a debt claiming I owe XXXX XXXX but my account is in good standing with XXXX I literally used it to buy a bike less then XXXX hours ago.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Loan servicing, payments, escrow account

Complaint: My wife purchased a condo prior to us meeting and having children, which she used as her primary residence for five years. The mortgage has XXXX separate loans which are serviced ; XXXX an interest bearing note through the bank, the other a XXXX County Housing Authority financed down-payment assistance loan to County-level employees ( my wife was a teacher at XXXX XXXX ). US Bank services both loans. The Occupancy clause of the mortgage note only required 1 year of occupancy as primary residence, which has been satisfied. The down payment loan agreement with the County, separate from the mortgage note, requires the property remain a primary residence. After getting pregnant with our second child, we had outgrown the property and had difficulty with the condo as it is on a second floor. We could not sell the condo as it was seriously underwater, so we continue to make timely payments and rent and maintain the property. The bank has been sending letters threatening foreclosure if we do not reoccupy the property, refinance, or pay-off both of the notes. There is connection in the mortgage note with the Housing Authority loan, and furthermore we have been in continuous and constructive contact with XXXX County officials. They have been aware of our situation and are understanding considering we have been always paying in a promptly manner. XXXX County has indicated that US Bank does not have the authority to enforce terms of the Housing Authority loan, the bank only has authority to service the loan. From our understanding XXXX County is trying to solve the communication situation between the County and the bank. To date, we have received a number of letters, and when we contact US Bank we are provided little to no useful information and have been finding it exceedingly difficult and unnecessarily stressful. We have always paid on time, and felt that renting and maintaining the property was a better option than abandoning the property. We have contact information, as well as numerous correspondences from XXXX County and US Bank if requested. Thank you for your time and assistance.

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 11/22/2017 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: Their investigation did not fix an error on your report

Complaint: My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.

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 02/23/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/18, an item that had been previously paid before collections was finally removed from my credit report. This is a debt that I have been disputing for years now. Held by XXXX in the amount of {$220.00}. XXXX agreed to close my account under the condition that I return the phone that was being leased. This was to cover what was left on the phone to pay. Months later, I received a collection notice. I contacted XXXX, begged them to look into the phone conversations that took place to confirm that I was in fact told that I could leave XXXX XXXX and clear by sending them my phone and they said that in the fine print of the contract, it states I would have to pay off the phone and then keep it. They said there was nothing they could do now that they sent it to collections and the refused to send my phone back. This " debt '' has passed through XXXX XXXX now, and it has been removed twice. It's been reinserted for the second time. Not ONCE was I notified that an item was reinserted to my credit report. Not by the collection agencies and not by XXXX or any other bureau. I have been in the process of trying to repair my credit and keep hitting brick walls with this collection. I want it removed. This was settled years ago after I sent them their immaculately maintained phone. Further, I have lost most respect for these credit bureaus. They have responsibility over our entire lives by reporting debts correctly and more often than not I have found that they are inaccurate. I have NEVER once received notice that an item was reinserted on my report and this has happened before.

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