milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is currently serviced by Nationstar Mortgage. This letter is in regards to excessive fees that I feel I am being charged on my loan. I tried to make contact with Nationstar Mortgage numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Nationstar Mortgage advised me to contact their law firm XXXX XXXX. That law firm advised that they can not talk to a represented client, so, Nationstar Mortgage advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. 

On XXXX XXXX, 2015 a request was made to XXXX XXXX for updated Reinstatement & Payoff figures on my loan. 

On XXXX XXXX, 2015 I received a copy of the XXXX & XXXX quote from XXXX XXXX. After reviewing the payoff quote provided by XXXX XXXX, there are numerous fees that I feel are excessive and no explanation is given in regards to the fees. The lender paid expenses are unexplained and excessive, the pending advance expense is unexplained, corporate advances are unexplained and excessive, charges for reinstatement & payoff quotes have been charged on my loan and the payoff quote includes non-adjudicated attorney 's fees. Examples are listed below for your review. 

Escrow Advances $ XXXXXXXX Recording Fee $ XXXX Advances : $ XXXX Inspections $ XXXX Fees $ XXXX Fees MET XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX $ XXXX Fees XXXX XXXX XXXX $ XXXX Fees XXXX Hearing XXXX ( XXXX ) $ XXXX Fees XXXX XXXX $ XXXX Exam $ XXXX Recording $ XXXX Fee $ XXXX Filing $ XXXX - XXXX - XXXX @ {$40.00} $ XXXX $ XXXX of Process $ XXXX of XXXX $ XXXX of Process $ XXXX of Process $ XXXX Attorney Fees and CostsAttorney Fees Mediation/Conc Conference Estimate $ XXXX Fees Mediation $ XXXX Fees XXXX Estimate $ XXXX Fees XXXX Hearing XXXX $ XXXX XXXX XXXX XXXX XXXX $ XXXX. XXXX Release Estimate $ XXXX letter good through XXXX $ XXXX letter good through XXXX $ XXXX XXXX Fee $ XXXX loan number is XXXX state of Florida XXXX XXXX of XXXX case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: These people are calling and harassing my XXXX daughter while she is at school.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
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: XXXX HAS 28 LOANS LIST ON MY XXXX AND XXXX  AND ONLY ONE LIST ON MY EQUIFAX REPORT. REPORT THAT ARE DUPLICATE LOANS. THEY ARE LISTED WITH XXXX AND XXXX. THE ONE WITH XXXX XXXX ARE OK I HAVE DISPUTE THE LOANS WITH XXXX ON XX/XX/XXXX AND ON XX/XX/XXXX THEY CONCLUDE THAT THE ACCOUNT WERE VERIFIED AS ACCURATE AND HAVE BEEN UPDATED TO REFLECT RECENT ACTIVITY BUT HAVE NOT PROVIDED NO DOCUMENTATION OR EVIDENCE. I HAVE BEEN DISPUTING THIS ISSUE SINCE XX/XX/XXXX AND CONTINUE TO BE DENIED. MY NEXT STEP IS TO START LIGITATIONM AGAINST ALL THREE CREDIT BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to AWA collections by certified mail twice, once in XX/XX/XXXX and again in XX/XX/XXXX to have them  validate a debt they claim belong to me. I disagree as I was XXXX the entire 2014 so this debt is not and can not belong to me. The debt is in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Factor Trust (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have previously disputed this information with XXXX however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX Factor Trust - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2017 about Checking or savings account (Checking account) with FIRST CITIZENS BANCSHARES, INC. (GA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XXXX/XXXX/XXXX XXXX XXXX XXXX offices were shut down by the Federal Reserve. I then began to withdraw funds from my account because I was unsure of what was going to happen. In XXXX, I made transactions to remove funds to secure them somewhere else. Unbeknownst to me, one of the transactions made on XXXX/XXXX/XXXX was never deducted from the account and was not reported on the statement. The following months of statements that were sent listed a positive balance with no other activity on the account. 

On XXXX/XXXX/XXXX I was notified that the account was overdrawn because of a bank error and asked to pay the debt that same day or the account would be closed and reported to XXXX XXXX. I spoke with a rep ( XXXX ) who only wanted payment and did not offer to help me research in any way what was going on. My efforts since then have been trying to understand why it took so long to be notified and why I am being punished for the bank 's error. My account has been charged off, I have been reported to XXXX XXXX as well as the credit bureau and the bank has failed to admit any responsibility. In addition, the original amount is now being inflated to ongoing overdraft charges of {$37.00} each month. The bank made the error initially and should have offered the opportunity for resolution before any negative activity took place, which now results in my financial accounts being impacted. 

If the bank determines there is an error on your account, what is the timeframe for reporting it to the consumer? No one has the answer, but according to FDIC website .... 

" If the bank determines there is an error on your account, it must correct the error within one business day after confirming it and report the results to you within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). '' This does not necessarily specify bank errors, so I am unclear as to the manner in which I should proceed with regards to timely error reporting. The bank is unwilling to discuss or agree to removing these charges or giving me a satisfactory arrangement that is fair. I do not feel as though 4-5 months should have passed before this information was presented to me without any regards for mediation. 

From the initial contact on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I have spoken with the following : XXXX ( team lead ), XXXX ( Retention ),  XXXX ( customer service ), XXXX ( Supervisor ), XXXX ( Escalation department ) at XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On  XX/XX/XXXX I mistakenly made a duplicate payment online to Navient. I called Navient the next day to request a refund of the duplicate payment in the amount of {$250.00}. The customer service rep informed me that it would take five to 10 business days to receive my refund. When I had n't received the refund by day eleven, I called Navient again. This time the customer service person told me that it usually takes 12 to 14 business days to receive a refund. I waited and when I still had not received my refund by day 15, I called Navient a third time. This time the customer service person said that it usually takes 30 to 60 days. I told her that I had received two different responses when I called previously and that there is no way that it should take that long. She put me on hold to speak with her supervisor and then told me that they would have to issue my refund in the form of a check. I then asked to speak with a manager because I felt like I would never receive that check and my refund should have already been processed. She put me on hold once again to speak with her supervisor and then told me that my refund would be sent directly to my bank account and I should receive it within 5 to 7 days. I gave her my account information and she gave me confirmation #  XXXX . I requested a refund on  XX/XX/XXXX  and it is now  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with GENERAL MOTORS FINANCIAL COMPANY, INC. (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: My employer is with holding wages from from my pay for XXXX and XXXX XXXX. I was not properly notified XXXX, the state where I work and live. The alleged judgement was filed in XXXX and not XXXX where I work and live. Also, the alledged debt from the year 2000 would be time barred, past the statue of limitations for XXXX anyway, and not enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: To who it may concern : In XXXX 2016, I submitted a employment background investigation, and was informed I had collection accounts on my credit report. To my surprise, I was un aware of this debt, nor did I receive notice from the collection agency. Even to this day, I make them send things via email, because I do not receive mail. I immediately contact the agency to make payment arrangements and paying right away. Previous, I spent a year address things on my credit report. There should n't have been anything outstanding or negative. I was in dispute of the debt, however had to clear debt to complete clearance. Now, that I am down to the final payment of the debt, I was informed by XXXX of the credit reporting agency to have the debt removed it would have to come for the collection agency. I am requesting to have this debt removed because I was not contacted and given time to dispute this debt. It is impacting my negatively. Preventing me from being able to provide essential living things for my daughter and myself. The collection agency does report when payments are made, I have to continuously call in. Thanks in advance.

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 11/28/2017 about Debt collection (Other debt) with Account Control Technology, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Company appeared on my credit XX/2017 without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never attended XXXX University and I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Wrong amount charged or received

Complaint: -X/X/17. I scheduled an online wire transfer of {$13000.00} through my bank Chase, to my dad 's bank XXXX. 
-The transfer was denied and I was charged {$25.00} by Chase for the wire. An additional {$45.00} was taken by XXXX. 
-I called and emailed to comp

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/16/2017 about Other financial service (Debt settlement) with Navient Solutions, LLC. (WV).
Issue: Fraud or scam

Complaint: I called a number that I found when I searched for Navient Customer service. I called twice. Each time I answered they said Hello, my name is XXXX. Are you calling about your federal student loans? I then said yes and proceeded to give them my email and social security number. They emailed me a pin number that I needed to repeat to them but I needed to get off the phone to view the email. They were both times to call back in 5-15 minutes. Neither times did I receive a call back. The number I called was under navient.studentserviceloan.org. 
The two numbers I called was XXXX. Then after I began to think I may have been scammed, I searched navient customer service again and a different number XXXX. So I called for sure third time and when they said Hello, my name is XXXX. Are you calling about your federal student loans? I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
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: I contacted USSA credit card customer service on XXXX XXXX, 2017 about a filing a dispute on my card. The person i spoke with told me that he would file the dispute and asked me several questions about the complaint. I answered all his question and asked if i needed to submit anything since i had several merchant write letters where the previous merchant did not do the work correctly when they installed my floors. He said he did not need anything but if he did he would send me a letter. He even issued me a finance charge credit to my account the very next day. When i called to ask what that was they stated it was due to the recent dispute i filed. To this day i have not receive any letter about a dispute. After a few weeks i called and the rep told me she did see the rep and i asked how long would they give the merchant to respond. She stated they give them 45 days and we are about 3 weeks into that process. I called again when we were about a few days until day 45 and again the person I spoke with told me that they saw the dispute and that in a few days i should have a credit because they could see my dispute and that the merchant had not replied to my dispute. i was feeling good as I had hired the next company to fix the floor. i was really hoping when i got the credit that I would be able to pay the new merchant. After giving them over the 45 days i decided to call since i had not heard anything. I got a customer service rep and they ended transferring me to their dispute are. The worst part is that the dispute rep said no dispute was ever filed and that i had to start all over again. I was very upset and i feel that REG Z, a federal law, was violated since they stated to me a dispute was filed and they they gave the merchant enough time. I have waited 45 days, 60 days and now the merchant tells me i have to wait 120 days and i feel that is not right nor fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Making it impossible to pay back student loan

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Problems caused by my funds being low

Complaint: On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They " posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I continue making extra payments and they keep applying to interest on loan. 
I feel Great Lakes is a predatory loan company. 
At this pace I will never get out from under my student loans. I keep sending money and my balance only grows despite me paying more then the minimum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (DE).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making extra mortgage payment to HSBC Mortgage, they have been splitting the payment and applying it to future months. IE : payment due XXXX, sent XXXX and they take out two months of escrow, and apply bulk of the principle to XXXX 2016, cheating me out of my interest savings.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2018 about Debt collection (Other debt) with Trident Asset Management, L.L.C. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation