milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nationstar continues to pursue debt collection activity on a debt without validation and reporting false and incorrect information to all three credit bureaus. 

Nationstar has responded to multiple complaints referencing I have filed a suit against their predecessor and them. However, Nationstar highlights they were granted a No-evidence motion for summary judgment and a pending lawsuit against their predecessor, XXXX XXXX XXXX, validates their debt collection activity. Nationstar claims they ca n't verify or validate their debt collection activity until the lawsuit against their predecessor is adjudicated. 

XXXX summary judgment was denied on XXXX out of XXXX claims including fraud. 


Nationstar should not be able to pursue debt collection activity until the lawsuit against their predecessor is adjudicated. Nationstar only has the right to pursue collection on what their predecessor had to transfer. XXXX XXXX XXXX has not proven any right to collect the debt that was transferred. 

At the time XXXX XXXX XXXX transferred the debt tp Nationstar, XXXX XXXX XXXX NEVER denied an allegations in the lawsuit that was filed on XXXX XXXX, XXXX. XXXX XXXX XXXX sought to file an answer to the lawsuit in XXXX XXXX. The Court 's decision granting XXXX XXXX XXXX to answer the lawsuit almost two years late is pending in the XXXX COA. However, XXXX XXXX XXXX transferred the XXXX balanced debt to Nationstar on XXXX XXXX, 23 months after the lawsuit was filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Debt collection (Payday loan debt) with Golden Title Loans LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: every day for the last 4 months XXXX XXXX has been calling my no and my wifes no 2 to 3 times a day at all times of any given day on Sat and Sundays also. I have asked 10 or 20 times for them to stop calling and they have even texted my wife stating where is the truck XXXX XXXX we will have you arrested. I even called the CEO of XXXX XXXX he lied and said they only call once a day according to his records but my records and phone shows they have called us over a 100 times. One employee stated he and they will call every XXXX day till debt is paid. We are so tired of companys breaking the law and no agencies do anything bout it. We as hard working tax paying Americans are held to obey the law and its ok, but company think they are above the law in question. What I think shoulsd be done is to be paid XXXX a call for their unlawful collection acts and violations of the Fair Debt Collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Medical) with Alorica Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: These were medical bills that were sent to the WRONG address, an address I had not lived at for 8 years. When They " Found '' me, it was already on my credit report. I paid it immediately to make it right and it was supposed to be removed. The same hospital that I paid thousands of dollar to for the same surgery did not have all of THEIR billing records up to date and now my report is suffering. This is WRONG in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with WASHINGTON FEDERAL, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My wife and I have been working with Washington Federal Bank to secure a new construction loan to build our retirement home. We began this process XXXX XXXX, XXXX. As of XXXX XXXX, with so many delays from the bank, the construction price has escalated, and the cost of the loan has increased to the point that put the project out of our budget. 
We are looking for the bank to cover the cost of what we have spent in trying to secure the loan during the past year. Those costs are on an attached document. 
We filed all requested documents and information in a timely manner. The banks delays during this year long process has let us both emotionally drained, full of anxiety and stress. Not a good situation for my wife who has XXXX and is suppose to avoid stress and stressful situations. 
We did n't know where to turn, so we thought consumer affairs would be a good starting point. 
I have attached a number of documents for your review. 
We are able to answer any question that you might have. 

Thank you XXXX and 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 explanation
Consumer complaint received 07/13/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: In XXXX of XXXX I signed for an auto loan with Wells Fargo Auto Finance. In XXXX of XXXX I moved from the address they had on file with me but the car stayed with my wife at the old address. On XXXX XXXX XXXX I mailed Wells Fargo a change of address letter. I never started receiving bills at my new address so on XXXX XXXX XXXX I sent another change of address letter but again nothing was changed. In XXXX of XXXX Wells Fargo transferred this account to Wells Fargo Dealer Services. The last payment on the account was in XXXX of XXXX. At this point the title was then mailed to the old address so I never received it. In XXXX I had to call WFDS and ask them to send me a title to my new address so I could see the car. They would n't send me a title, just a release of lien so I could go down to the tax office and get a new title. Because they never changed my address and billed to the correct XXXX I had several late payments with them that are still adversely affecting me today. I would like these late payments removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I have a safe deposit box with Bank of America at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Within Equifax the accounts of XXXX XXXX Account XXXX is not mine and XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I made a student loan payment on time, received confirmation, but Wells Fargo says I did not pay for that date, even though I did, and the payment confirmation shows so. 
I sent proof to XXXX XXXX at the executive office over a week ago. But thus far, I have not heard back from XXXX XXXX, despite several emails and phone calls. 
Would you be so kind and find out why their own payment confirmations dont seem to be sufficient to proof that a payment for the due date shown was made. 
Thank you, 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 explanation
Consumer complaint received 11/24/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove these inaccurate accounts after 4 months of sending them the proof that they are repotring them as such. I require that they send me the physical court petitions that show EXACTLY what they are reporting or they need to be removed immediately. 

Please see letter attached along with proof on credit report that will show you that they are being willfully negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (Medical debt) with Renton Collections Inc. (WA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Long story short, I'm a XXXX year old New to debt and I talked to two representatives in one day who told me I owe two different things! I was trying to understand why my amounts changed after making my third payment today & why one representative is telling me I owe one thing while the other is telling my I owe another. I get on the phone with the manager for her to be rude as XXXX from the moment she picked up. I understand " this isn't a customer service '' gig but at the same time, 1. I'm not going to keep paying money to people who obviously don't know anything. 2. If I'm trying to understand what's going on, and you're going to act like it's killing you to explain to me, the debt will never be paid. Why would I pay something and at this point I don't even know if it's legit. I'm asking the lady okay what will happen if I don't pay so I can understand their process and she goes " well you either pay or see what happens '' like XXXX kind of XXXX is that ... what's supposed to happen? Not only that, the manager didn't even give me her name, when I asked to speak to someone above her she goes " you won't be speaking to anyone else. I'm the only you're going to be talking to '' and you aren't getting paid either. I'm trying to be grown enough to get this XXXX figured out but she will not talk to me like I'm below her.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Debt collection (Non-federal student loan) with CITIBANK, N.A. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i do not own this account anymore please remove it from XXXX, transunion and XXXX credit file immediately. My credit report at one point showed it as paid in full, but reverted back to {$2000.00} balance and this account is effecting my score. Please update account and delete.

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 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX/XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX/XXXX to have them deleted with negative results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: XXXX issued a consent to Disbursement of Funds to the Bank of American legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Bank of America are currently frozen. To date, Bank of America claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of BOA 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time BOA has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.

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 07-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: COMPANY CONTINUE TO DEMAND PAYMENT ON OUTDATED ( XXXX ) ACCOUNT, NOT MINES AND PAST STATE ( GA ) STATUE OF LIMITATION OCGA 9-3-24, OCGA 9-3-25 ; ( 4 ) YRS ON OPEN END ACCOUNTS, VIOLATED FCBA, FCRA AND FDCPA ... NOTE : ID FRAUD AFFIDAVIT WAS FILED WITH FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Mortgage with bank of america was first reported delinquent  XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds  XXXX / XXXX / XXXX .   This  3rd  party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.

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 07/19/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ocwen Loan Company. I have had issues with Ocwen in the past - mostly due to the fact that their workforce consists of people who do not have a command of the English language. 

I take care of my XXXX father and he has been in and out of the hospital. He is well right now and I am slowly going through mail. I discovered an escrow refund check dated XXXX/XXXX/15. I can no longer cash the check. When I have discovered checks from other companies that have expired, the company that issued the check is very happy to re-issue the check. I called Ocwen to please re-issue the check or apply the amount to my loan, they stated that they probably would not and it would take a week to investigate whether they could re-issue a check or not. I do n't understand why this! First, they gave the reason that my credit score was not good. My credit score has actually improved since 2015! Then they said the lowered my payment. My payment went down by XXXX dollars! That is not enough to make up the difference of {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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 have informed Experian and XXXX that the XXXX XXXX was never late in 2014. I have had a difficult time trying to get XXXX and Experian to to remove this inaccurate information from my credit file. Please assist me in getting this account removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was basically duped into thinking I 'd be able to get a job with my XXXX degree after graduation. My school refuses to hire me. I reached the student loan cap, so now I ca n't even go back to school for a useful degree. On top of that, Navient, which used to be XXXX XXXX, so I 'm pretty sure I did n't sign a contract with Navient, keeps sending me emails and ruining my credit score yet when I attempt to contact them on their website, my personal information is " wrong '' and when I called about it, the person on the phone said that was n't his job. Well I 'd like a job.

Company response to consumer: Closed with explanation