milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX Dear Sirs, we are a responsible Real Estate owners, we have made several payments IN ADVANCE towards our Mortgage listed above for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nationstar mortgage company made several errors in applying these payments at first to the WRONG accounts, then to the interest and Principles, even though we talked to the Managers to ONLY direct our payments to INTEREST ONLY for the follow months. 
They attempted to correct the account ; almost every month to no avail. On XX/XX/XXXX we received a SUSPENSE NOTICE for XXXX ( XXXX XXXX ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we received another SUSPENSE NOTICE for {$6.00} ( including penalty and interest ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we contact the Manager demanding that correct our account according to pour Timely and in advance payments, he refused and he demanded that we pay immediately {$4.00} alternatively he will suspend the payment ( again )!! 
Manger admitted that an error from the company side did occur, yet he still demanded full payment from us!! Alternatively he will suspend the entire full payment for the month and harm our Excellent credit ratings!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Delinquent account

Complaint: I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to XXXX credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I immediately made a full payment on my account and do n't have any outstanding charges.

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 09/15/2015 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: I got scammed when buying a XXXX in XXXX of Legends, which is boosting from platinum XXXX to diamond XXXX. The seller asked me to send to money through friend/family. Now he never reply a single message from me through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Credit card () with NAVY FEDERAL CREDIT UNION (TN).
Issue: APR or interest rate

Complaint: I had a credit card with Navy Federal Credit Union, XXXX. XXXX XXXX, XXXX, VA XXXX. We tried to pay off the Credit Card, but they had increased my percent to 18 % so that my yearly interest interest XX/XX/XXXX was {$860.00}. I had to take out another loan at 3.14 % to pay off Navy Federal as I was never going to make Navy Federal schedule. My family had medical due XX/XX/XXXX which we managed to pay off but at the expense of missing a few monthly payments to Navy Fed. I asked Navy Fed. to reduce my interest, but they refused. I felt that as a XXXX Veteran they would oblige a lower rate after I asked. They did not. My account with them has since been closed as of XXXX XXXX. I am filing this complaint because I believed that Navy Federal could have reduced my 18 % to a more manageable rate as I was in troubled financial times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX Account # XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported on all of my XXXX credit reports. However, these are not my accounts and I am listed as an authorized user. I have never signed up to be an authorized user and I want these accounts to be removed from my credit reports. I have never had or used any of these cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Motgage will not give me a copy of the Lender Placed Insurance they placed on my property for the last 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.

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 04-04-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Managing the loan or lease

Complaint: Car Dealer persuaded me to take a loan with Capital One Auto Finance for a lower rate. I received information in the mail, but have been unable to pay the bill. There online bill payment says that I am locked out. My wife and I have spent over XXXX hours attempting to resolve this on their web site and on the phone with their customer service. We have reset passwords and we are not able to pay our bill. This has been going on for a week. It is not reasonable for a loan company to make it so difficult to pay the bill. I have been trying to pay the bill early. Imagine the people who wait and try to pay the bill at the last minute. The company has limited hours to help with these problems. Their web sit does not allow you to reset a pin ( if the web site did work which it does not ). When you contact their service representative, he is insulting and unhelpful. He implies it is your fault for not being able to use their system properly. Capital One sends information about how easy it is to pay your bill, but their system is not usable. There is no way to pay your bill. I have just now received a letter from them that we can pay be online, by phone, and by mail. I was told by the customer service rep that I could not pay by phone until the system was set up. It looks like I am suppose to pay by mail as my only option. I do not have any confidence that they will correctly process my mail payment. So I guess I need to use certified mail which adds expense that exceeds the amount of money that I was suppose to save using their loan. I can not express to you how strongly I feel that this is an unethical company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (FHA mortgage) with LoanCare, LLC (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: At the end of XX/XX/XXXXXXXX Escrow is XXXX. Escrow pmt for XXXX XXXX, XXXX XXXX w hazard ins of XXXX due at end of XXXX As Escrow was over XXXX at end of XXXX, I expected a refund, but they refuse. After my loan was sold to them last year, they immediately increased my payment by well over 100.00. Im a single mother and the initial payment that I agreed upon with the first mortgage co was already tough. And it appears that they have plenty of escrow at the end of the year. They havent lowered my payment either, so I guess there will be about 2200.00 left over in XX/XX/XXXX. You can not get in touch with them. You email, they dont respond. You call and their automated voice sends you around the world then hangs up.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've received several hard inquiries that I do n't recognize. XXXX is from XXXX XXXX on XXXX XXXX, XXXX. I called XXXX and they reported there is no record of my name anywhere in their system. There are XXXX other hard inquiries from Citibank XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX XXXX when I 've only applied XXXX time to XXXX. Also for XXXX XXXX there are XXXX inquiries on XXXX XXXX XXXX and XXXX XXXX XXXX when I only applied XXXX time on 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 08/21/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have called chase bank several times about them over charging fees to my account the fees annually add up to over XXXX dollars. I have been a customer for years and this adds up to almost XXXX dollars. I rarely believe they are over charging me and taking most of my money. Currently

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (MT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had to research the phone number to discover who the company was. They continue to call my cell phone with a dialer ( There is a long pause and click before a human comes on the line ) despite the technology that allows them to identify the phone number as a cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit card () with CITIBANK, N.A. (DE).
Issue: APR or interest rate

Complaint: Macy 's withdrew $ XXXX from my Bank account without authorization. While they refunded the money, I want them to refund associated interest for as many days to all impacted cardmembers. 
Also, they debited my credit card on XXXX for {$430.00} ... WHY? First you take a payment on XXXX on a zero balance and then DEBIT my card on XXXX again!! Why should I pay criminals like XXXX and Macy 's for what did not need any payment??? Refund me all such debited amounts back to the card as well as credit my Bank back on any unauthorized, criminal withdrawals. 
Macys and Citi also changed the credit card site SO MUCH that I can not even download my statement or even see my account details properly, they also undid all my autopay so that they could have me go late!!! I had called the customer reps who also could n't be too much help. Shameful, ignorant and simply criminal!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Deposits and withdrawals

Complaint: On Saturday, XXXX XXXX 2016, I ( a business ) opened an account and deposited cash and a cashier 's check ( {$300.00} in cash and {$2000.00} in check ). I asked the Wells Fargo representative ( XXXX XXXX ) that was helping me when the funds would be deposited. She told me they would be in the account by Wednesday, XXXX XXXX 2016. When Wednesday came, I checked the account only to find out that that there was a hold on my cashier 's check. {$200.00} were available on the XXXX ; however, the remainder would be available on the XXXX. I called the XXXX number and informed them ( I do not have that representative 's name ) of Regulation CC. She told me that I needed to talk to a branch manager and that she nor her supervisor could remove the hold. I went into the branch on XXXX XXXX 2016, and informed XXXX XXXX of this issue. She called the " back office '' and they stated that the remaining {$18000.00} would remain on hold until XXXX XXXX because my account was just recently opened. I shared with XXXX that this was against the law and she told me that this was not her job and there was nothing else she could do. She then forwarded me to her manager. When her manager ( XXXX XXXX ) came, XXXX told me that she could not remove the hold because back office sees things that she ca n't see. I informed her that I would be filing a complaint with the CFPB and the FDIC and she responded okay. She gave me a complaint phone number and also placed a ticket and escalated it. She told me that they would get back to me on Monday, XXXX XXXX. She also told me that Wells Fargo has the right to hold any check for as long as they see fit. I asked her if that included Cashier 's Checks that had been expressely defined as next-day available items in Reg CC. She responded " any check. '' When I left the branch, I called the complaint phone number. The gentleman on the phone also told me that any check can be placed on hold for 7 business days. I asked him if he also knew that this was against federal regulation. He responded that he had to go by Wells Fargo policy.

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 04/19/2015 about Debt collection (Federal student loan) with Williams & Fudge, Inc (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I submitted my loan towards XXXX XXXX a few months ago for XXXX XXXX. Today I have received a letter in the mail stating that {$25000.00} was sent to collections. This is not correct. I filled out a loan for the amount that I owed XXXX college and it confirmed that the loan was all set. Now I have this {$25000.00} in collections and can not go about paying for this without a loan. This will be under my belt for the rest of my life. I was never notified that it did n't go through or that the money was going to be sent to collections. I 'm very upset that this has happened and would like to solve this problem asap. Whether that means taking the money out so I can process the loan again or I 'm going to have to find other ways for this to be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!

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 06/14/2016 about Debt collection (Medical) with Eastern Account Systems of Connecticut, Inc. (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I started making payments on the debt but then my account was sent to collections. They were sent a letter providing them with information as to whom the remaining balance of my bill should be sent to but then I received a couple of notifications from a collection agency who has now posted the debt on my credit report, which has caused my credit score to drop significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

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 03/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CASHCALL, INC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted at my workplace by XXXX XXXX Attorney XXXX XXXX on XXXX XXXX, XXXX. When I spoke with this employee she stated she was collecting a debt from Cashcall, and would like to no what are my intention of taking care of this matter. I explain my circumstances preventing me from continuing my payments. This employee begun to make threats of legal action of garnishing all my wages where I would have no money.She stated I owed {$5000.00} then {$11000.00} During the conversation I requested for validation of this debt she stated it was sent which I explain I did not recieve it.. I asked where they were located, XXXX County Ca and was told she had the right to sue then she continue to get hostile and hung up. I immediately called Cashcall and spoke with XXXX was told my account balance at that time was a payment for {$120.00} had posted on XXXX/XXXX/XXXX another payment XXXX/XXXX/XXXX {$910.00} the orginial loan amount was {$2500.00}, {$1100.00} was returned. XXXX explained that my account had a principial amount of XXXX and interest XXXX and they had sold my account to XXXX XXXX XXXX/XXXX/XXXX. I question their identity and request them to cease contact at my workplace. I have research them through the XXXX and found they have had numerous compliants.

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 07/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Loan repayment with Navient started in XX/XX/XXXX. The loan amount taken out was {$3700.00}. I was submitting more than the monthly payment per month in the hopes of paying the loan off ( approximately {$120.00} ). Called the company several times to find out why my payments did n't seem to be decreasing my balance and was told that since I was in the beginning of stages of repayment, that majority of my payments were going to interest but that that was normal and would change after the first year. However, it is almost 10 years later and I am still making payments on the loan with the loan balance currently at {$2900.00} with the last scheduled payment according to Navient not being paid off until XX/XX/XXXX. This is insane as I paid double the amount of the balance due for the first several years and it seems that almost every payment made for the first several years was only paid toward interest. This seems criminal that it will take 15 years to pay off a loan that was taken out for less than {$4000.00} Navient does not seem to be able to provide me accurate justification for how my payments have been allocated properly. In addition, the school I attended ( XXXX XXXX ) has been shut down and I was unable to complete the program as it was required that I complete an XXXX as part of the program. The school assured me that I would be able to be accepted into an XXXX  program as well as find gainful employment in my field since I am a veteran who previously worked in the XXXX XXXX during my time in the military. However, I was not able to find any XXXX that I could be accepted in and as a result was unable to successfully complete the program or transfer to any other program since all of the school locations have been shut down.

Company response to consumer: Closed with explanation