milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Nationstar - they never rec'd the XXXX payment at the time of the switch- they didn't tell us until several months had passed and they started applying payments to the prior months and demanding we pay XXXX the amount due to catch up - meanwhile tacking on late fees every month.  (I finally did to shut them up)  They also have billed us XXXX for an alleged drive by to see if the house was occupied (despite getting mail from us at this location and not having any of their mailed statements returned by the Post Office.  Most recently, they started sending me electronic statements (WHICH I NEVER REQUESTED) - at first, I thought the statements were just lost- after a couple of months, I realized it wasn't me but rather Nationstar was up to their old tricks.  I sent in payments when I thought they were due... I never was able to confirm status.  XXXX payment was missed- again - they started applying payments retro-active and never communicated with me until I CALLED and Nationstar had applied late fees again. XXXX times- they report me as deliquent to the credit bureaus and accept no responsibility.  I've sent an email advising do not call b/c now they have started calling- XXXX day, XXXX times- XXXX of which were 15 minutes apart.  This wakes my husband who works night shift.  They have called XXXX yesterday and XXXX today despite having sent the do not call notice.  XXXX day - I spent over an hour on the phone with customer service with no resolution - the only way to get resolution is to make nasty posts on XXXX which prompts them to follow-up and respond or else they know you'll keep posting.  The internet (including XXXX is FULL of negative comments about this company.  I am honest in my banking - if you look at the prior 20plus years of home ownership, I never had a problem but now with Nationstar, I have nothing but trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio Recovery contacted my employer on Friday XXXX XXXX, XXXX times! The company was closed so a message was left on my employers answering machine that " he had XXXX accounts on his desk to discuss with me and if I did n't call back, he 'd have to take it to court. '' My boss only had a phone number, the person did not leave his name or name of company. To my knowledge this is in violation of the FDCPA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: sent letter to Synchrony Bank , Home Design, to request evidence, bearing my signature, proving the account was reported accurately, verifying 150 days late payments. They failed to provide such proof, did not list the account as disputed within 30 days as required by FCRA 623 ( a ) and FDCPA 807. they also closed the account and notified all XXXX credit bureaus.

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 07/14/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: Ally financially made a billing error. This is a non-valid debt. We have been fighting with them for 3 years to get this corrected. My husband 's lease ended in 2013. We were over the miles and planned to purchase the vehicle, however the dealer talked him into re-leasing instead and the dealer bought the vehicle. He explained this would absolve any fees. Our buyout quoted price from Ally was {$16000.00}, XXXX XXXX ( dealership ) paid Ally {$16000.00} for the vehicle. The dealership assured us we would not be responsible for anything further ( as did Ally ). For some reason Ally still sent us a bill about a month later for over mileage ( even though this vehicle was purchased by the dealer and not returned to Ally ). We have been going rounds with them to get this corrected. I even filed a XXXX report with them in 2013 where a manager responded and assured me it would be removed. However it never was.

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 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: To whom it may concern, Equifax, Transunion, and Experian previously took off all of the items on my credit reprt and reinserted it without my knowledge. The items was previously reported as identity and some was in violation of the federal act.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
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: LastXX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated 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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: 2nd letter sent by certified mail to XXXX, XXXX, Transunion & XXXX XXXX they all have lied they Never Ever received my letters to have all of the accounts I listed should be VALIDATED not a verification VALIDATED they have refused to start an Investigation started stating no Certified Mail was received which is a Lie it was received on XX/XX/XXXX the Investigation need to be done by XX/XX/XXXX tracking information can be given if requested I have spoken with a XXXX, XXXX, all have lied & XXXX was very nasty & rude I DEMAND that all accounts be VALIDATED by XX/XX/XXXX & results be sent by email to XXXX along with all Inquiries listed on credit file to be VALIDATED XXXX on XX/XX/XXXX & XX/XX/XXXX with an Collection acct. under XXXX XXXX # XXXX for {$870.00} that needs to be VALIDATED they have removed Accts from this file that was not disputed or was asked for them to investigate acct named XXXX XXXX XXXX # XXXX I Demand they reinstate this acct. ASAP as this acct wasn't on the list I can provide proof of the accounts that was asked to be VALIDATED listed within the Certified Paper work that was received on XX/XX/XXXX I can provide this proof if requested I WRITE THIS TO INFORM YOU OF THIS FRAUD PRODUCED BY XXXX, XXXX, TRANSUNION etc. If results are not done by XX/XX/XXXX a lawsuit will be filled on these 3 credit reporting agencies UCC 1-308 WITHOUT PREJUDICE

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 12/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I opened a mortgage through XXXX Mortgage XXXX as part of my home purchase in XX/XX/2016. I submitted XXXX months of payments to XXXX Mortgage and was notified that my loan had been sold to Wells Fargo. Both payments were sent via certified mail and XXXX confirmed via e-mail that they had received and forwarded the payments to Wells Fargo. 

The XXXX payments were for bills due on XX/XX/2016 and XX/XX/2016. The XXXX payment included XXXX checks ( XXXX personal, XXXX from my credit card company rewards department ) within the same envelope and was credited correctly. The XXXX XXXX payment included XXXX checks within the same envelope and was not credited correctly. The first XX/XX/XXXX payment check was in the amount of {$2200.00} from my personal account ; the second XX/XX/XXXX payment check was in the amount of {$200.00} from my credit card company rewards department. The XX/XX/XXXX payment only credited {$2200.00}, not the full payment amount. 

I have been working with Wells Fargo since XX/XX/2016 to resolve the XX/XX/XXXX payment issue. I have received some assistance from XXXX XXXX XXXX XXXX x XXXX ) at Wells Fargo. XXXX and I contacted my credit card company to request a copy of the rewards checks and we agreed to cancel the missing {$200.00} check if it had not been deposited. XXXX found that the missing {$200.00} had not been deposited and cancelled the check. On XX/XX/XXXX, after the {$200.00} check had been cancelled, a {$200.00} credit was applied to my Wells Fargo account. 

On XX/XX/2016 ( for XX/XX/XXXX ), I went to the Wells Fargo branch to pay my XX/XX/XXXX payment. I used XXXX checks again ( XXXX from my credit card company rewards department, and XXXX personal ). Wells Fargo accepted the checks and provided a receipt for the payment. Initially, the payment credited properly ; however, Wells Fargo reversed the {$200.00} payment for the cancelled check AND reversed my XX/XX/2016 ( for XX/XX/XXXX ) payment as well. 

I have never made a late payment on any loan, credit card, or anything on my credit -- ever. I am now trying to refinance the mortgage from Wells Fargo due to the poor service, but I fear that I will be blocked due to this accounting issue at Wells Fargo. I confirmed that third-party checks were accepted by Wells Fargo and XXXX. With a previous Wells Fargo mortgage I used the credit card rewards payment checks without issues. I am unsure what to do at this time, but I would like my payments to be properly credited.

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 07-09-2015 about Debt collection (Credit card) with Rose & Associates, LLC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a Call a from Rose and Associate, phone number XXXX. They said they called to go employment verification on behalf of an attorney hired by XXXX to collect debt. I call Rose and Associates back and they never provided any information. They hang up everytime I call. 
I do not have any account with XXXX and accoring to Rose and Associates its from 2008. It has already passes statue of limitation for, State of XXXX. No such credit account shows up on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan provider, Nelnet, made a mistake in calculating my monthly payment amount last year ( XX/XX/XXXX ). They thought I was paid bi-weekly, despite specifically stating on my paperwork that I was paid WEEKLY, which was also evident on my pay stub. Therefore, my payment amount was much lower compared to this upcoming year ( XX/XX/XXXX ). My new amount is XXXX % MORE than what I paid last year, which is much more than I can afford, and is significantly more than the yearly increase as stated on my IBR plan. I spoke with several advisors trying to figure out where the mistake was and why I could n't get a lower payment amount. They suggested forbearance as the only option, which I did not opt for due to the quickly accruing interest. I 'm extremely frustrated and feel like this is a huge mistake that I am paying for, literally.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I 'm a XXXX years old man with a mortgage with loan servicing company Specialized Loan Servicing. Because of a previous illness and financial hardship I became delinquent on my mortgage. However, my financial hardship ended but I did n't have enough to reinstate the delinquency of the loan. Thus, I applied for a loan modification but did n't fill out the paperwork correctly and got denied XX/XX/2016. I found assistance and filled out the documents providing all sources of my income. A full loan workout package was faxed to SLS on XX/XX/2016 and they acknowledged that they received the documents on XX/XX/2016 and processed the documents on XX/XX/2016. A single point of contact was assigned to the account - XXXX and he advised that the file would be sent to an underwriter for further review on XX/XX/2016. On XX/XX/2016, XX/XX/2016, XXXX, XX/XX/2016, XX/XX/2016 and XX/XX/2016 my 3rd party representative called and was told that the file was still in active review for a loan workout. A foreclosure trustee sale was scheduled for XX/XX/2016 but was postponed to XX/XX/2016 to allow SLS underwriters time to evaluate the documents. On XX/XX/2016, I was advised that a " soft denial '' was initiated in the notes due to my failure to provide federal tax returns. However, SPOC XXXX never advised that I needed to provide tax returns. On XX/XX/2016 I submitted tax returns. On XX/XX/2016, SLS said they would not allow the modification to be reviewed because they require 38 days to review documents prior to a foreclosure auction date. They said they will move forward with a foreclosure and repossession of the property

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 02/27/2017 about Consumer Loan (Vehicle loan) with Ray Skillman Westside Imports Inc (IN).
Issue: Taking out the loan or lease

Complaint: I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Money was not available when promised

Complaint: Hi, I 'm a customer of Coinbase, a platform for cryptocurrency trade. On XXXX XXXX, XXXX I 've tried to transfer some of my bitcoins ( XXXX XXXX, to be precise ) from my 'offline vault ' registered with this company to my 'wallet ' at the same company. That transaction was n't finished due to their system problem. So, I had to cancel it and tried to make this transfer again ( the same amount, the same date, the same vault and wallet accounts XXXX. That 2nd transaction was n't successful either. So, I had to cancel it again. Then I tried to make the same transfer one last time with no success and had to cancel that last transaction as well. I had 3 attempts in total and none was successful. My bitcoins from offline vault gone and my balance is XXXX now. I never received those bitcoins in my wallet either. On the contrary, my offline vault balance is now XXXX XXXX ( or $ XXXX as on XXXX XXXX, XXXX XXXX XXXX ). 

The same day ( XXXX XXXX, XXXX ) I 've sent an email to XXXXXXXXXXXX and opened a case using company 's online support system. I got no response and tried to reach out to them again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX. None of these outreaches got any response from the company whatsoever. I tried reaching out to them via twitter on XXXX XXXX, XXXX with no response either. I opened additional case describing my problem again using their online support. No response. 

Now, I do n't have access to my XXXX XXXX and can not use my other cryptocurrencies ( XXXX XXXX and XXXX XXXX ) because my balance in the system is negative and it does n't allow me to use my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a complaint in XXXX against my mortgage company Ocwen because they failed to update my credit reports. To date there is NOTHING on my XXXX report as if this loan does not exist and my XXXX XXXX report has NOT been updated since XXXX. This is the worst company I have ever had to deal with! I am filing this complaint again because dealing with Ocwen directly is useless.

Company response to consumer: Closed
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have tried for years to pay this off. They offered me forbearance after forbearance and deferments. Ive had it for XXXX years and still owe more than the original balance due to late fees and interest. The % is over XXXX %. They hiked my monthly payment to over $ XXXX m. They would not work with me. I want to pay it back- but its a steep hill to climb. Is there a way to get them to forgive the interest and late fees?

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Southwest Business Corporation (CO).
Issue: Loan servicing, payments, escrow account

Complaint: The defrost mechanism in our refrigerator broke and water was leaking under it without our knowledge. This caused substantial damage to our bamboo flooring. A flooring contractor informed me that we had water damage, but stated he could refinish the floor. After initiating a claim, the mitigation company contracted by our insurance company determined the floors could not, in fact, be refinished. As a result, we had our kitchen floor and a large portion of the adjacent wall ripped out. We have now lived like that for 2 months while we waited for our insurance company to determine an " appropriate '' value for floor replacement. Finally, they informed us that they would be issuing us a check that would allow us to move forward with our renovations. I have since learned that it is fairly standard for insurance companies to require checks larger than {$10000.00} be managed by the property lien holder ( mortgage company ). What is NOT standard is the ridiculous amount of hoops that our mortgage company, SWBC, is asking from us. We must not only send them a XXXX with a signed contract from any contractor working on projects, but continuous itemized receipts to receive any money. Are they planning on paying the interest on the credit card I will be forced to use to buy flooring? I am so confused and wondering why they are micromanaging our project? I do realize that they have a vested interest in the integrity of our home, but I would like to manage the finances of this project on my own? So, if I am able to find flooring and a contractor to do the work for less then the amount of money placed in escrow, where does the remainder of the money go?? Do they keep it, send it back to XXXX? This has been such a disaster. I have spoken to many persons with similar claim amounts wherein their lender simply required them to sign a waiver showing intention to complete repair work. 
I have since been on the XXXX site where I discovered multiple complaints on the same issue of prompt insurance check payments from SWBC. They complained of waits upwards of 2 months! I simply can not have holes in our kitchen for another 2 months while I wait to be repaid for repairs? Is the escrow check interest earning? Is SWBC really paying to employ persons to manage this? This seems like an unbelievable waste of resources. I am so regretting using this lender, and we will immediately refinance after this debacle ends, but for now ... our insurance claim money is being held hostage?? I never knew this was legal. : (

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