milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/23/2015 about Debt collection (Medical) with National Credit Systems,Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Services has been reporting on my credit report for a number of years an account that no longer belongs to the client they once represented. I that this is an aggregious act of misreprentation, fraud, and harmful to consumers. Spoke with XXXX XXXX office on XXXX, who reported that have not done business with National Credit System in years and they should not be reporting or collecting any money on their accounts. However, when I contacted NCS, they indicated I had an balance of {$160.00} and were ready to take a payment. In fact the account was XXXX which had already been paid but yet here they were trying to take a payment for an account which was no longer theirs.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed a dispute with Experian disputing XXXX XXXX. This creditor has been on my credit report since 2008 according to XXXX XXXX. But I never applied for a credit card with this company. Also, I am within guidelines to request the removal of this old creditor and Experian has refused to remove it. I am again requesting for XXXX XXXX, account number XXXX to please immediately be removed from my Experian credit report.

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 12/28/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. 
As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. 
He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. 
We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. 
My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.

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 12-08-2016 about Mortgage (Conventional fixed mortgage) with Stearns Ventures, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i had an account with XXXX I opened with my daughter in XX/XX/XXXX. I purchased XXXX phones. In XX/XX/XXXX, I paid off the phones and cancelled my service and left my daughter on the T-mobile account. She was paying the bill. The bills were forwarded to HER home in N.C. and she was paying them. Around XX/XX/XXXX, my daughter purchased a 2 YEAR contract w/an XXXX. I was contacted when she wanted to purchase the XXXX and I told XXXX I was no longer the owner of the account again. They again removed me from the account, approved my daughter for the XXXX and I thought that was the end of it. Then I stopped receiving my mail all together, and discovered a change of address had been put in for me so I called the Post Office and had my mail switched back to my home and I discovered XXXX was charging me for 'something ', so I called and told them I did n't have an account. They said they fix it and again I thought they 'd figure it out. I confirmed with my daughter that she was paying her bill because I continued to get bills saying my account was over due, but she assured me she was paying, so I ignored it, and figured we were just being double billed. Finally in XX/XX/XXXX I received a collection notice, when I called I was told it was for an XXXX. It turns out that XXXX was billing me for her XXXX and billing my daughter only for phone service. They were trying to hold me accountable for her purchasing the phone but were billing her for the monthly service. I called several times with my contract showing I never authorized anyone other than myself to purchase or use my account. While this point is moot as I cancelled my account in XX/XX/XXXX. There are numerous calls from me cancelling the account, and my daughter opening an account. The account my daughter opened was a special account that allowed for a two year contract with the purchase of an iphone. XXXX used my credit to give her an XXXX. I spoke with several representative there, and my daughter does n't have a problem paying for the XXXX under the terms she thought she was agreeing to, i..e a two year plan which included the price of an XXXX. I am not responsible. Further I should n't be in collections. I called this evening after having been promised that I would be removed from collections, the outstanding balance would be transferred back to my daughter 's account, she could pay over the term of her contract as it was stated and that my credit report would be corrected. Now, I 'm being told by XXXX that they ca n't do it. It 's been too long they are n't resposible.

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 05/26/2017 about Debt collection (I do not know) with AMCOL Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: AMCOL just reported a collection account on my report. Prior to reporting it, they did n't send me a notice of right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar Mortgage is added a {$110.00} 0n our mortgage bill for the Month of XXXX, according to the bill they sent us it is stated as fees and Charges and there is no explanation of the reason for the Charges. NationStar has not still explained to us why they have raised our Escrow payment to {$130.00} when our house value is at its lowest. 
We think the cfpb should look very closely at the practices of NationStar Mortgage randomly and illegally charging fees that are not warranted. 
My Family and I are barely earning above XXXX, for them to charge us such fees on top of an 8.5 % interest mortgage rate is just another prime example of their disregard of the struggles that families like us are still going through to keep us in our homes. 
Any fees illegally paid to NationStar Mortgage should be paid back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will 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 04/25/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo is sc amming clients with available balance discrepancies ( holding money ). Then charging " overdraft protection transfer '' fees.     On  XXXX  I noticed I had a low balance on my checking account that would not be sufficient to cover my pending transactions. I moved everything that was visible to me on  XXXX  in my savings account back into my checking accoun t ( {$4.00} ). Thi s brought my balance up to cover all pending transactions.     That night , Wells Fargo  moved money back out of my checking account and posted it to my savings for " Save as You Go '' transfers for over the weekend transactions. This money was held and was not visible for me to transfer with the {$4.00} on the  XXXX . I was n't aware these save as you go transfers were even pending.     Because they moved  ( posted )  this money late night of the  XXXX  after, this caused my checking account to drop below the amount needed to cover the pending transactions.   Wells Fargo then charged me a fee of {$12.00} to move the money from my savings back into my checking to cover the pending transactions.
So Wells Fargo held transactions from my Savings,    moved the money on the night of the  XXXX  when I already had a low balance in my checking, which caused the balance to fall below what was needed to cover the pending transactions. They then charged a fee to move the money back to my checking that they JUST moved the same night to my savings. If  Wells Fargo wo uld have left the money in my Checking account instead of transferring it to my savings, the balance would have been sufficient to cover the pending transactions and I would not have been   charged an overdraft protection transfer fee.
Wells Fargo s  hould have some sort of " checks and balance '' in their programming that prevents their systems from moving money to savings accounts when the balance in the checking is just sufficient to cover pending transactions.

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 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. 

I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Credit decision / Underwriting

Complaint: I filed a bankruptcy that was discharged in XXXX 2011. At that time, XXXX was the servicer of my loan. XXXX was informed that I had surrendered the property through the Bankruptcy and I vacated the home. They applied for and received a lift of stay so that they could commence with taking back the property. Just prior to the Bankruptcy discharge, they sold the servicing rights to Ocwen. For years Ocwen called to collect on the debt even after being informed that I was protected by the Bankruptcy. Ocwen employed delay tactics by trying to get me to agree to a modification. It took Ocwen five years to sell the property. They issued me a XXXX cancellation of Debt but they have it coded incorrectly. It should be noted that it was due to a Bankruptcy. This is unacceptable and a violation of Bankruptcy Code

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have $ XXXX in private student loan debt initially with XXXX XXXX and since has changed to Navient. The payment asked was {$1400.00} and change per month. 
Through various attempts and requests for programs to make my payment something manageable, I was awarded two back to back rate reduction plans that brought my interest rates to 3 % ( but only on XXXX of the XXXX loans ). The payment was reduced to {$710.00} a month. 
This amount was barely manageable, but I made it work to keep my credit in good standing. I contacted Navient at the end of the most recent program enrollment ( scheduled to end XX/XX/2017 ) and was told my payment on the same XXXX loans if we did nothing would be {$1200.00}, which is clearly far more than I had been paying and again not feasible. The best payment offered was {$840.00}. This amount is still a large stretch for me. After going through all the financials the representative even asked how I pay my bills since my expense to income ratio was negative. If that is the case how can I afford {$840.00}? 
My " normal '' interest rate is 10.25 % on some of these loans, 10.25 %. That seems excessive and far above the current interest rates. At that kind of rate, paying off my loans in my lifetime is not possible. There has to be something that can be done in the private loan sector to alleviate this kind of pain. I do not disagree I owe back the {$70000.00} I borrowed, but at what cost? Owing over {$100000.00} in just interest alone is crazy. 10.25 % is predatory by all accounts of the word.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Mortgage (Conventional fixed mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Planet Home Lending purchased my loan and send me a letter saying we do not have insurance but we do. I try to call the number they listed to give them the information and the number never works XXXX, I call their main customer service number and they can not get a hold of their insurance department either. They say they will call back but never do. I am entitled to equal servicing of my loan and I am not getting that service. They now sent a letter with force place fire on my home at a very high rate. Please help, no one at PlanetHome Lending can get me in touch with their insurance department and now I ha

Company response to consumer: Closed
Consumer complaint received 11-06-2017 about Checking or savings account (Checking account) with PENTAGON FEDERAL CREDIT UNION (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: ! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I want XXXX, XXXX and Trans Union to add my employer/employment information to my credit report. I want the following employer/employment added to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX, XXXX, Position : Chief XXXX XXXX ( XXXX XXXX Salary : {$300000.00}

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 03/14/2016 about Payday loan () with EZCORP, INC. (OH).
Issue: Can't contact lender

Complaint: I have been receiving harassing threatening phone calls from a company called XXXX phone number is XXXX. Telling me they are suing me on the behalf of a EZ Corp payday loan. That they are coming to my work and home and calling my boss and relatives. They have already called my husband twice. I told them I do not recall ever making a loan from ez corp. what can I do to stop this?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (FHA mortgage) with GEORGE MASON MORTGAGE, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We closed on XXXX/XXXX/15 with George Mason Mortgage, prior to closing we were all aware flood insurance wood be required for the property at that time. I asked for everything related to the payments to make sure all insurances were covered. The lender shopped and provided the flood insurance company, they included the premium in the closing disclosure as well as the monthly cost. XX/XX/XXXX I started looking through the insurances that protect my home, I noticed I did not have proof of coverage for the flood insurance. I called the insurance company that would provide the coverage per the closing disclosure, I was informed I had no coverage because payments were not made. I contacted my lender and asked why the payments were not made, they stated the settlement company was holding the funds. The settlement company stated they never received such funds. The lender finally accepted they failed to send payments and also stated they did not include this amount in the escrow. XXXX I received a new closing disclosure with a higher amount for the flood insurance. As of today, I still do n't have the insurance coverage that was supposedly already paid. Per emails from the lender, I am being asked to sign the new closing disclosure with the date from the original closing. The premium payment for the insurance and the certificate have been lost to the lender since they have n't paid for the policy nor refunded them back to me. I am also being instructed to commit fraud by using a false date on a document because they are having trouble selling the loan.

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 Credit card () with NAVY FEDERAL CREDIT UNION (DC).
Issue: Credit determination

Complaint: My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (SD).
Issue: Problems when you are unable to pay

Complaint: My Auto payments set on autopay failed during a bank buyout We did not realize that payments were not being made I did not receive a call or a email or any notice of any type .My vehicle was going to repossessed the first person to get a hold of me was a local repossess agent. 
I immediately went to bank and wired funds for 120 days past due the fees i am being is outrageous

Company response to consumer: Closed with monetary relief