milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: NATIONSTAR MORTGAGE HAS REPEATEDLY REFUSED AND CONTINUE TO REFUSE TO MODIFY MY LOAN DESPITE MY QUALIFIED ELIGIBILITY AND MY NUMEROUS REQUEST AND DOCUMENTS SUBMISSIONS. INSTEAD, THEY OPTED TO FORECLOSE ON MY HOME WITHOUT CAUSE, AND DUE PROCESS. I HAVE BEEN IN THIS MODIFICATION PROCESS WITH THEM SINCE XXXX XXXX, 2014. ALL DOCUMENTS HAVE BEEN TIMELY SUBMITTED. ****

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 20 year mortage with Wells Fargo and have been making monthly auto pays. 
Two months ago I received a letter stating that I would owe an additional sum as my last payment was XX/XX/XXXX. This is not a balloon loan. 
After several attempts to contact Wells Fargo today I spoke to XXXX who informed me that my auto pays were set up for the XXXX and my due date was the XXXX that 's why I accrued additional interest. I was never informed up to now that the payment date would result in additional fees or I would have made the payments on the XXXX for the last 20 years. 
I feel that this was unfair and deceitful on the part of Wells Fargo as they should have made it clear what the impact of this would be financially when they allowed me to choose a payment date. 
As a side not I have another mortgage with Wells that also has auto pay and there was no choice of the payment date. I believe if they gave me a choice of a payment date for my first mortgage it was because they knew it would benefit them.

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 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan just migrated to Navient in XXXX. I called at the end of XXXX and they could not give me payment information, they told me to call back in a couple of weeks. I forgot ( completely my fault ). On XX/XX/XXXX, I was prompted to log-in to Navient due to a concern about my loan. I logged in. My total due was {$10.00}. {$5.00} was due and {$5.00} was past due. I paid {$10.00} and received confirmation of the payment and that I was all set. A few days later, I get a text message stating that my loan needed attention. I logged in and the account status was past due in an amount over {$100.00}. I was confused and livid. I called Navient. I explained what had happened. The rep would not validate my story ( i.e. " Oh, I do see that it was {$5.00} per month '' ). He acknowledged that I paid {$10.00}. He said that I owed {$90.00} + per month. This did not make sense because I was past due for two payments totaling just over {$100.00}. When I explained that I could not afford this new amount due, he took my income and family size only, did not ask about any other expenses and offered a payment plan for a bit over {$40.00}, deferred until XXXX. When he finalized that plan, he said, as if a script " Your payment has been deferred, you owe nothing until XXXX ... at that time your payment will be {$5.00} ''. Then he said that the payment plan that I had been on with the prior servicer would drop off " at some point '' that he did not know. He said that the {$5.00} might change in XXXX. I have worked in consumer finance and I have never heard of giving a debtor a range of anywhere between {$5.00} and {$50.00} for a payment. I really feel uneasy dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: On XXXX/XXXX/2016 {$1500.00} was withdrawn from my bank of America account using a fraudulent duplicate debit card. The debit card was in my possession and the withdrawals took place in a city XXXX miles away from my location. Bank of America has denied refunding my money three times and advising the claim is not valid and it was not fraud.

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 03/24/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech Mortgage company has up to this date, has never reimbursed me for fees they billed my account in error and validated it was their error. They acknowledged the mistake ONLY AFTER the CFPB was contacted with case XXXX. Each month they have given me the run around since XX/XX/XXXX and failed to provide me with the money. I have no other alternative to seek CFPB assistance in obtaining my money XXXX and would like to request funds with interest. I have been calling each month on the funds owed. Each month I have been advised they were processing the refund. In XX/XX/2017 I called, requested to speak to a Manager, but was advised there was no one to speak with me. The agent assured me the money would be transferred at the latest in my bank account by end of month XX/XX/2017. I was asked to provide my checking account and bank routing number. I am trying to bring my account current with an IRA hardship withdrawal but this company has done nothing to make their error, right. Please assist, this is the most unprofessional company I have ever had to do business with, thankfully there are agencies like this created to protect the consumer and track this companies dealings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (Credit card) with ZWICKER & ASSOCIATES (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Received a letter from XXXX XXXX XXXX, XXXX to take me to superior court of California for a debt that is XXXX years old! The collection company or attorneys are Zwicker & Associates, P. C. in XXXX, CA XXXXThe Credit Card is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On about XXXX XXXX I ordered a XXXX/XXXX XXXX XXXX XXXX, through Barclays Bank. 
I was accepted. Apparently the offer resulted from a cruise I bought. My troubles began when without permission, before I got a chance to pay my down payment my card was charged {$580.00}. I told the bank that I would rather pay with another credit card that had a lower interest rate. They denied me that opportunity. I filed an unauthorized claim with Barclays and they ignored until today that request and not even sent me a letter considering the unauthorized charges. I paid the unauthorized charges with another credit card whit a lower interest rate. 
I got sick of their rude customer service, and at times I felt that the XXXX XXXX line was answering, since they are colluded somehow with them, to the point that i was in disbelief of the offensive treatment towards me. 

My new set of troubles continued when around XXXX XXXX or XXXX XXXX, I tried to cancel my credit card. I called one afternoon around XXXX, XXXX, XXXX, XXXX, and all those times they told me that " the system was updating and they could not cancel my card '' .I was told to call next day.. At the XXXX call, I asked for a supervisor, and was on hold for about 33 minutes, but one never came on the line. Next day I started calling from the morning and each time the question came up : " what is the reason you want to cancel your card or close it '' I told them that I would pay my cruise with another card, cash or debit. ( the remaining balance of the cruise ). They felt offended and kept telling me that " their system was updating '' and " can not close the account right now ''. This went on for another three clerks that I called. Every one of those clerks hesitated or did not want to transfer me to a supervisor until finally one came on the line by the name XXXX? XXXX? and told me the same story of the system updating updating. I asked her if I could close the account via fax, and finally she said, after all this harassment, she would close it. It took many hours of precious time, arguments for a simple transaction. I got sick to my stomach with this customer service treatment. My account was paid and up to date and even got a {$19.00} refund in over payment. Please find a way to fine or sanction this company.

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 11/21/2017 about Payday loan, title loan, or personal loan (Payday loan) with MoneyLion Inc. (VA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied and was approved for a XXXX line of credit. This is my second time financing with company. Agreed to biweekly payment of XXXX?? Was taken out of my account fine. They then submitted a second payment for XXXX which they claim is part of their monthly service fee of XXXX. This was not properly explained to me I did not have this on my first loan with them. They have hidden in their fine print they charge a XXXXmonthly fee in addition to their biweekly payments. This is fraud and should have been out into loan docs properlybstating what payments will be

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2015 about Debt collection (Auto) with Metropolitan Bureau of Collections, Inc. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was told if I did n't pay that they would send a sheriff to my job and then garnish my wages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN REGARDS TO : XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. I SENT A CERTIFIED LETTER XX/XX/2018 RECEIVED BY AGENT XXXX. I HAVE NOTIFIED THIS COMPANY THAT THEY ARE REPORTING INACCURATE INFROMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NEVER DONE OR EVER EVEN HEARD OF XXXX XXXX XXXX NOR HAVE I USED THEM. THEY ARE REPORTING ONLY ON MY EQUIFAX CREDIT REPORT AND I DONT KNOW WHY. I SENT A DETAILED LETTER ASKING THEM TO PROVIDE PROOF OF VALIDITY OF THE DEBT THEY ARE REPORTING ON MY CREDIT REPORT? I ASKED THEM FOR VALIDATION AND VERIFICATION INTO THE ACCOUNT? THE INCORRECT INFORMATION THEY ARE REPORTING IS NOT MY ACCOUNT. I ALSO ASKED THEM TO PROVIDE THE ORIGINAL COPY OF THE DOCUMENTS BEARING MY SIGNATURE? PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORIGINAL CREDITOR? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THIS DEBT ACCOUNT? 

AT THIS TIME, I WOULD ASLO LIKE TO INFORM YOU THAT IF XXXX XXXX XXXX OFFICES CONTINUE TO REPORT INVALIDATED INFORMATION TO ANY OF THE THREE CREDIT BUREAUS ( EQUIFAX, XXXX, OR XXXX ) THIS ACTION MIGHT CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. 
DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOUR REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTION AGAINST YOU FOR THE FOLLOWING : * VIOLATION OF THE FAIR CREDIT REPORTING ACT *VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT *DEFAMATION OF CHARACTER IF PROPER DOCUMENTATION IS NOT PROVIDED AS REQUESTED AND VALIDATION ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE AND A COPY OF SUCH DELETION REQUEST BE SENT TO ME IMMEDIATLEY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Store credit card) with Colony Brands, Inc. (NC).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are loans that say negative.. not accurate. 

Loan amount..not accurate Please remove negative loans HIPPA violation

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I am a former Well Fargo Dealer Services Customer. I have had my loan with them for 5 years without a problem. However, in 2016, I had auto insurance added to my car loan balance. I paid directly from my bank account the same amount for 5 years. I then began to get late payment notices and they began to add to late payments to my credit record. I contacted Well Fargo. I requested an investigation and I contacted the individual credit bureaus. I finally gave up as I only had a few thousand more to pay. The negative reporting of late payments tanked my score. I did not want the insurance and never requested the insurance. All of a sudden, I had unwanted insurance and bad credit.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: written XXXX letters on XX/XX/XXXX, and informed them that I am a victim of XXXX, Experian security breach. Requested that the following inquiries deleted off my credit report. Experian never responded to me. The inquiries doe not belong to me : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harvard Collections, LLC (IN).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with FMS Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I just checked my credit score and saw a 9 dollar medical bill put into collection from a supposed appointment in XXXX 2015 by FMS for XXXX in XXXX, WA. I 'd cancelled an appointment at XXXX XXXX weeks in advance but other than that I had no medical care with them. I was never given a bill or contacted, simply turned into collections for a visit that never happened. This is the billing line XXXX XXXXOur billing statements represent hospital and physician charges for XXXX. 
To pay your XXXX online at XXXXPlease call XXXX or toll-free at XXXX Monday-Friday XXXX to XXXXTo update the insurance coverage we have listed, call XXXX or toll-free at XXXXSince I never received a bill I ca n't set up an online payment, meaning I 'd pay the 9 dollars I do n't owe to clear up my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IN).
Issue: Problems caused by my funds being low

Complaint: I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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 04/13/2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX, I paid my XXXX chargecard in person in the amount of {$1500.00} by cashiers check drawn on XXXX which was the payoff amount provided by the XXXX customer service representative to the XXXX representative. While inside the XXXX I asked the representative for a pair of scissors and I immediately cut the XXXX chargecard up. I received a statement in XX/XX/XXXX and then another statement in XX/XX/XXXX with a balance. On XX/XX/XXXX I wrote XXXX and advised them that I had paid my account in full and I was unsure as to why I was receiving statements dated XX/XX/XXXX and then again on XX/XX/XXXX stating that I was past due on my account. On XX/XX/XXXX, I received a letter from Credit Control LLC which stated that my account had been placed with their company for collection. I informed Credit Control LLC that my company was a victim of cyber-intusion in XX/XX/XXXX and that I was provided with a year of credit monitoring. Then I was a victim of bank credit card fraud while banking with XXXX in XX/XX/XXXX/XX/XX/XXXX. When I filed the paperwork with XXXX for reimbursement of the unauthorized transaction, I was advised to call the local police, which I did and made a police report and to also call the FTC to notify them of the incident so that a special alert of instruction would be placed on my credit file. I wrote Credit Control , LLC on XX/XX/XXXX advising them that I was disputing the validity of the balance of {$1700.00} on my XXXX account number. I provided Credit Control LLC with the same information that I had mailed to XXXX. I then received a letter from Credit Control LLC shortly thereafter stating that my account had been discharged. Then in XX/XX/XXXX I began to receive letters again from Credit Control LLC advising me that I was being held responsible for the unpaid balance on the XXXX credit account. 
Upon further review of the letters from Credit Control , LLC, letters dated in XX/XX/XXXX were from the Creditor : XXXX and then the letters that I began receiving in XX/XX/XXXX from Credit Control , LLC are from Creditor XXXX for XXXX. 

It is my contention that I did not make the charges listed on the XXXX account and that I should not be held responsible for them. I also believe that it is possible that from the time period of XX/XX/XXXX up through XX/XX/XXXX, that somehow my account payment was not posted to my account. However without actually having copies of the XXXX account statements from XX/XX/XXXX through XX/XX/XXXX, I can not substantiate my claim.

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