milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-09-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NM).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar was sending excessive amounts of marketing materials, sometimes 2 a day, to my home address. On XXXX/XXXX/2016 I called requesting to opt out of all marketing materials, but asked to still receive account servicing updates Agent XXXX assured me she updated my status. To my surprise, I received a letter dated XXXX/XXXX/2016 stating that my account had been put into a 'Cease & Desist ' status and I would no longer receive ANY updates regarding the status of my loan. On XXXX/XXXX/16 I called Nationstar to bring this error to their attention and requested the issue be corrected. Agent XXXX advised he was unable to update the status of my account and directed me to write a letter asking for the Cease & Desist to be lifted. I asked for the call to be escalated to a supervisor, which it was I advised of my intent to file a CFPB compliant on their practice and requested my account be corrected. Agent XXXX reassured me she would personally update the status of my account without the need for a letter, and would contact me within 24-48 hours to advise on the status of the account. The duration of this XXXX/XXXX/2016 phone call was 27min29sec.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage purchased my loan from XXXX XXXX XXXX. Shortly after I refinanced with Nationstar to lower my MMP and APR. My new payment was {$1200.00}. I recently checked my bank account and Nationstar increase my monthly minimum payment ( MMP ) to {$1500.00}. I noticed that they increase my MMP months ago without informing me. I called and asked for an explanation and they said that it was because my taxes increased. I educated them that it was not possible. They then said that it was because I did n't have enough money in my escrow account. I 'm upset that I never had this problem with XXXX XXXX XXXX in regards to my escrow. I paid into a escrow account monthly and there 's no reason why I should be thousands of dollars negative. This was a miscalculation when my home was refinanced. My annual taxes are around XXXX XXXX dollars and it still estimated to be the same amount this year. Theres no reason for Nationstar to increase my payment {$330.00} unless they failed as a bank. This is causing a problem for my finances and needs to be fixed. I am currently paying more after refinancing then I did prior with a high rate and a higher amount financed. Nationstar is acting like they 're XXXX different banks. My previous loan prior to my refinancing was with Nationstar who purchased it from XXXX XXXX XXXX. However, they are basically saying that it 's a XXXX XXXX XXXX issue and not their fault or responsibility. I put 100 % of the problem with Nationstar. They should have ensure that everything was 100 % when I refinanced and they did not. One month after I refinanced they increased my fixed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Caine & Weiner is collecting on an insurance policy that does not belong to me and was opened up without my authorization. TGhey 're collecting for XXXX XXXX. I have sent over a police report and FTC Affidavit stating this is fraud and to cease collection. The item was removed from my account on XXXX/XXXX/2016 and was re-inserted by Caine and Weiner on XXXX/XXXX/2016. They stated on a previous issue that they would be removed but they re-inserted it

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Mortgage (Home equity loan or line of credit) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I have a XXXX mortgage with Select Portfolio Servicing XXXX Inc. XXXX " SPS '' ). I moved out of the mortgaged property, but still own it and continue to make payments on it. As soon as I moved out, SPS stopped sending me monthly statements. I have called SPS XXXX months in a row, and they have promised to fix the problem, but they still have n't sent me a statement since I moved out. I am up to date with my payments to SPS, but I am concerned about whether they are applying them like they should be. Without a written statement, I am unable to verify whether SPS is reducing my principal each month like they should be. I have provided SPS with my forwarding address, but that has not done any good. For the past few months, SPS has not sent statements to either the mortgaged property or to my new address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. 

I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. 

My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. 

As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.

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 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this 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 non-monetary relief
Consumer complaint received 09/24/2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (KS).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Hello, I received a notification from XXXX XXXX that new info was added to my credit reports. I looked at the info and a company named Stellar Recovery IncXXXX had placed an collection for an alleged debt of {$300.00}. This was on XXXX XXXX XXXX. I had not received a XXXX XXXX, phone contact or any other form of contact from this company. I had no opportunity to dispute or validate this alleged debt before being placed on my reports which caused an significant decrease in my credit scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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 Vehicle was broken into and my DL was stolen. A few months later I notice that there are several unauthorized inquires on my credit reports, all within the same time frame. I called the police and was given report and immediately contacted the credit reporting agencies. My letters were ignored, My online disputes had no resolution and over the phone they told me that they do not have the ability to help me.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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 send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Debt collection (Other debt) with PLS GROUP, INC (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: My bank stated that the mobile deposit didn't come through on the check. So., I took the check to PLS to cash. Well the bank somehow reported that they had cashed the check and they didn't. I informed them that I was disputing this with the bank and needed time to do that. They inturn sent a letter to my job, which caused them to think I was stealing and they fired me.

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 08/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: As of XXXX 2017 I started getting calls from a " debt collector '' called XXXX XXXX XXXX XXXX. I looked them up and saw repeated reviews of them being a scam and being very abusive. Since XX/XX/XXXX I must have blocked about 10 phone numbers because they would call me over 10 times a day. I got another phone with a new number. I can still check my old phone messages and still see that they are continuing to harass me. They are not my original creditor. My original creditor said they could not work with me on my monthly payments which would be over {$650.00} a month. I am stuck. After taxes, rent, healthcare, chip support, and utility bills I only have {$10.00} to live on while supporting my wife and XXXX XXXX. This XXXX XXXX XXXX is being abusive and like stalkers. They have sent me a letter threatening to sue me and garnish up to 15 % of my wages. I do n't know if they are legit and I do n't want to give them any info whatsoever until I know and from what I have found out they are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (NC).
Issue: Trouble during payment process

Complaint: PNC Bank has taken over the servicing of the loan on my home that I live in. They are refusing to provide me monthly statements as I received from the previous loan holder. I have several other mortgage loans I received monthly statements on without problem. I am also a licensed XXXX XXXX XXXX and work in XXXX XXXX. It is important to me to be notified of my current monthly standing with my loan. I want to verify my payment was received and the funds were correctly applied. I frequently pay more than the amount due and have seen it incorrectly applied in the past. I also want to be up to date on my tax and insurance payments. I have read online the Dodd-Frank act made these notices a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I previously disputed this with you. I now have some evidence that I can upload as well. Portfolio Recover continues to report tha a payment was made in XX/XX/2011. The original creditors fax states that no payments were made in XX/XX/2011. The delinquency date was way earlier than reported. This should be taken off my credit reports immediately. They keep removing them from one and shifting to another and then cycling it back to initial credit report. The are reporting false information on both of their collection accounts. They are in violation of FDCPA and FCRA. I want them to remove this for good. I also want to to pay for their consistent violation which have adversely affected my credit rating.

Company response to consumer: Closed with explanation