milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Credit decision / Underwriting

Complaint: COMPLAINT ABOUT NATION STAR. 
XXXX Banks are involved in this problem ( XXXX XXXX XXXX and Nation Star. ) First complaint submitted about XXXX XXXX XXXX. This is a copy about Nation Star. 
We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with XXXX XXXX XXXX. XXXX XXXX XXXX approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
Nation Star entered it as a delinquent mortgage. 

It appears XXXX XXXX XXXX sold the mortgage after accepting the proceed from the short sale as full settlement. XXXX XXXX XXXX and Nation Star are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (OR).
Issue: Transaction issue

Complaint: On XXXX XXXX, 2015, I took advantage of a promotion in the Macy 's men 's department at their XXXX, OR store where I would receive a XXXX % discount if I opened a revolving charge account. So I did, and promptly paid the full amount of the charge right there at the checkout stand. Several months later, I receive a statement that I owed more than {$500.00}. Upon investigating, I discovered that the account was charged XXXX for the same purchase. Once at the discounted price of {$390.00} that I paid on the spot, but then the charge at the full price of {$480.00} was also added for the same transaction. I never received a statement until several months later to discover the account had been referred to collections and more than {$100.00} in late fees and interest were also added. After trying for several weeks, and speaking to dozens of customer service representatives, I am compelled to file a formal complaint against Macy 's and their predatory credit practices. They lure customers to open usurious revolving charge accounts with discounts at the time of purchase only to rip-off consumers with false charges to their accounts and then charge outrageous late fees and penalties, referrals to collection agencies, and incur deleterious impacts to their credit scores without providing consumer-friendly, effective means to redress the problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: The issue with XXXX started in XXXX XXXX. My IDR paperwork FINALLY was processed ( submitted in XXXX ) and the new IBR rate was more than double the previous year ( {$640.00} to {$1300.00} ) This would make sense if my income changed, but it did not. I did file taxes jointly with my husband that year, but again this amount did not make sense. I called and was told the IBR rate was miscalculated - my husbands student loan debt was incorrect by {$80000.00}. Despite, their mistake, I was still told I had to pay this miscalculated amount ( even though this was not my fault ). After many phone calls and hours of questioning, they agreed to apply for an administrative forbearance. This forbearance, I was told, would not penalize me for not being able to pay this incorrect rate, and wouldve temporary until the next month when the correct IBR rate ( {$940.00} ) was processed. During this forbearance, I paid the amount of interest that would be accrued ( {$950.00} ) but my loans capitalized, adding {$15000.00} onto my current principal. Again, I called, and there was nothing we can do. During this time, I was also concerned about this IBR rate  since it was {$300.00} more than the previous year, without any change in my salary. I was told I could apply for a change to the lowest monthly fee, which in this case would be the RePAYE plan. I submitted this paperwork in XXXX, shortly after I found out about it during my first phone call to XXXX. Throughout my subsequent phone calls with XXXX I was told that my monthly payments would be {$940.00} for XXXX and XXXX ( the correct IBR rate ) and then would change to {$640.00} ( the RePAYE rate ) for XXXX. Great. Fast forward to XXXX. My bill for XXXX is now a whopping {$2300.00}. (?! ) Yet again, I have to call and spend hours on the phone explaining the situation and fighting with XXXX. With a XXXX XXXX XXXX XXXX and the holidays, the continued financial hardship XXXX is causing me is putting me over the edge. I have always been willing to work with them and have paid all of my payments on time. Enough is enough. This is negligence and abuse. Please fix this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: I was able ( on line ) to get a freeze on XXXX and XXXX. ( in minutes for free ) When I filled in the information on Experian they said they could not take my information on line and that I had to mail the documents. They are making this difficult- I do not want to mail any requested information- they also charge a fee of {$5.00} where XXXX and XXXX do not,

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 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to work out a payment solution with Nationstar mortgage for years after my loan was transferred from XXXX XXXX XXXX and I suffered huge financial losses. The amount of time I spent submitting and resubmitting paperwork to their various loan specialists was like a part-time job. They would not let me send money to them to try to get back on track and seemed to stall until posting a sale date on my home. They also would n't submit all the information about my loan that I requested. I have been working with financial counselors and doing everything I can think of to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Auto) with Amsher Collection Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: from  XXXX -2017 I have been asking AMSHER COLLECTIONS SERVICES for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Santander made loans to myself as well s other car buyers while knowing that myself and the other borrowers were probably not able to afford the loans. A press release from the Delaware Department of Justice indicated that Santander had predicted a high default rate and that many applicants stated incorrect or exaggerated incomes.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased appliances from Conn 's Home Plus. I used their in-store credit to finance the purchase. I made the first two payments in store and neither were credited to my account. I received collection calls and informed them I have made my payment, I also discussed the issue face to face with the manager in-store, both call center and store manager assured me it would be corrected. It has not only not been corrected and credited to my account, the collections center calls my phone 8- 10 times a day. They call repeatedly even though I remind them the payment is in dispute. I also asked them not to call before XXXX since I work nights, they ignored that request.When I complained about the excessive calls the operator responded " yeah that tactic is quite effective. '' I have lost sleep and productivity at work due to the hourly calls. If I actually owed the payment it might not be so stressful but since I do not, it 's quite frustrating. I will attach receipts where I paid my bill and also screenshots of my phone call log, there 's is the only number so you can see how often they call. A quick internet search reveals I am not the only customer being harassed by this dreadful company. ( I had horrific delivery and installation issues as well but that 's for another forum I suppose )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit card () with U.S. BANCORP (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: US Bank reported a credit card in my name that I do not recognize nor never applied for.

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 10/30/2016 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ACS changed my Lender without letting me know or giving me the option to switch to someone else, which I 'm not happy about. Also, they stopped having me pay a monthly amount, which is super sneaky. Since I 'm not be billed to pay monthly, which I prefer, they skip over MANY months, causing me to accrue LOTS of interest.Let your borrows be aware that if they do n't make a monthly payment that interest will be accrued instead of making it look like the are " current '' in their payment! I have to be vidulent to make sure I send myself a personal reminder to pay monthly, so I 'm not adding all this interest to my account even though it may say I 'm " current ''. That is a sneaky and dirty way to make money off people. Absolutely disgusted!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Trouble during payment process

Complaint: IN XX/XX/XXXX I notified Nationstar of an error in applying payments and they acknowledge the error - They further accknowledge the need to correct and reset my mortgage - I have been assisted by an excellent member ( XXXX XXXX ) - however XXXX XXXX has been promoted and the correction is pending 5 months later and as of today - still unresolved. 

XXXX XXXX have confirmed in writing - ( 1 ) I have been wrongly been reported as in foreclosure, ( 2 ) I have wrongly been accessed legal fees, ( 3 ) I have wrongly lost my fixed price interest rate and defaulted to a adjustable rate, ( 4 ) I have wrongly been accessed Admin fees in excess of {$500.00} per month for more than a year ... .. ( 5 ) my credit report has been impacted by these errors for more than 8 months - Nationstar/XXXX XXXX has tried repeatedly, but after 5 billing cycles has been unable to resolve, reset and fix these HUGE errors - that Nationstar admits are completely their admin errors. 

XXXX XXXX is a wonderful man and has been a blessing - however he is not being supported by Nationstars processes to correct these error

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a wrong name ( not me ) added to my report which caused me to drop XXXX points! I 've changed nothing and my credit report as of last week was XXXX yet this morning its XXXX. And there 's a name on it that is clearly not mine and not even close. What can I do to remove this? 
Here is what is wrong : Names ReportedXXXX XXXX XXXX, XXXX, XXXXSee something wrong? 
Find out how to update personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I noticed a collection from AFNI on my credit report in XX/XX/XXXX. The comments on my report stated the original creditor as XXXX. I contacted XXXX in XX/XX/XXXX to inquire about the debt. Although XXXX was able to confirm that I was a prior customer they were unable to retrieve any account information. XXXX informed me that if my account went to a collection agency the agency would be able to verify any debt by providing itemized account statements. On XX/XX/XXXX I contacted AFNI and requested account statements from XXXX. AFNI refused to send any account statements rather they just told me I owed them {$1000.00}. On XX/XX/XXXXI completed an online dispute through XXXX. Upon completion of that dispute on XX/XX/XXXX, no changes were made to the AFNI collections on my credit report. On XX/XX/XXXX, I again called AFNI and requested an account statement with XXXX charges verifying the debt they have placed in collections on my credit file. The representative offered me a settlement and I told him I was not interested in a settlement and that I only wanted verification of the debt. He told me he could send verification of the debt. I have not received that verification. On XX/XX/XXXX I contacted AFNI again to request an account statement showing specific XXXX charges. The representative became somewhat aggressive and asked me what was taking me so long to pay my debt. He told me that the prior representative I spoke to inXX/XX/XXXX offered me a settlement and that I needed to help him understand why 9 months had passed and I still had n't paid this debt. I explained to him that I do not feel comfortable paying for a debt that I may not even owe. I again requested an account statement showing specific XXXX charges. He told me he was unable to provide an account statement and that the only thing I could do is dispute the debt with the credit bureaus. On XX/XX/XXXX I disputed the debt through XXXX. Upon completion of the dispute onXX/XX/XXXX, no changes were made to the AFNI collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (I do not know) with Rushmore Service Center, LLC (ND).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This number ( XXXX ) has repeatedly called and I just received my number today, therefore I have no connection to this company. I called them back and they immediately demanded my name and social security number. I verified my phone number with them and explained that since this is a new number to me I have nothing to do with them. They continued to demand my personal information and became rude and aggressive when I told them to stop calling me. They still refused to say anything other than they were a debt collector trying to collect from me. I do not owe anything to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Credit decision / Underwriting

Complaint: I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.

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 11/27/2015 about Debt collection (I do not know) with Convergent Resources, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter in the mail from " Convergent Outsourcing Inc. '' They state they are collecting a debt from XXXX. This appears to be a scam due to the fact that I have not used XXXX for many years. Additionally, I have seen numerous complaints about this company online. They say that I owe {$490.00}, but I can reduce the balance by XXXX % if I pay {$240.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Per the terms of the XXXX XXXX " XXXX XXXX '' feature with Citi, I filed a price match claim for three motion sensors, included all of the necessary documentation, and they refused to honor the claim while providing an incorrect legal basis. They claimed that the lower price I sent was from a " membership club, '' and failed to provide evidence that this was the case.

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 03/30/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Bank of America calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom it may concerne I am requesting for XXXX XXXX and XXXX XXXX to fix my credit to be they way I had it XXXX credit limited not at XXXX credit limited that they did to my account. They need to stop this GIMMICK SCAM and CORRUPTION with this both company. 

Doing a follow up with the complaint ID on file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Debt collection (I do not know) with ERC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have continuously tried and been promised by this company to be left alone regarding this debt. I believe my lawyer even submitted in an affidavit and it continues to sit upon my credit. This company has no respect for the law or the FCRA laws CPFB and with the attempt to do To protect the citizens of this country from what is basically extortion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company listed debt as new debt from XX/XX/XXXX when it was from XX/XX/XXXX. Company never sent me a notice to disputes debt before listing it on my credit report and I do dispute the debt I had to see this on my credit report to be able to call them to ask them what this was and that I wanted to dispute the debt. Also this de t has been removed and the company reinserted a deleted debt into my credit file. The company is using illegal tactics

Company response to consumer: Closed with explanation