milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX We are writing in order to get some help on a file that we have already filed a CFPB complaint on in the past ( complaint # XXXX ). Getting Nationstar to work on this file without committing what can only be described as servicing fraud has been a real challenge. It is obvious that their ( Nationstar ) only goal has been to garner a 5 % buyers premium ( which they would keep for themselves ) at the expense of the investor that they service for. 

After finally getting Nationstar to counter the original buyer ( all attempts at running the property through their fake auction system failed XXXX a HAFA approval letter was issued, but was not issued per HAFA guidelines ( once again, Nationstar believes that they can make up guidelines that seem to suit them and increase their profits at the expense of their investor, the federal government, the borrower and the community ). We have been attempting to get the letter extended with the proper closing date with no luck. We are now at a point that our buyers lender will have to push out closing on the file for proper TRID disclosure ( something that Nationstar also does not believe applies to anyone especially themselves ). 

Nationstar is now threatening to cancel the short sale and attempting to reapprove the property at a higher value. We are fairly certain that this is in attempts to get the current buyer to cancel so that they can attempt to run the property through their fake auction system .... Once again, to obtain the 5 % buyers premium. Their ( Nationstar ) somewhat dubious activities have been well documented in the XXXX XXXX article that came out last summer and should be well known to the CFPB. These somewhat questionable tactics also bring into question what other XXXX violations have they completed on this file and if they are attempting to obtain money from the XXXX program from the US Treasury Department without actually complying with the program highlights.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Other debt) with KEYCORP (OR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I canceled my checking account ( XXXX ) with Key Bank, and system problems at Key generated numerous checks to myself and my wife, even though the account had been closed. I returned the checks, spoke with two bank managers in an attempt to stop the printing of any further checks. After two bank managers assured me that the problem had been resolved, and all NSF charges had been reversed, I thought the matter was settled. 
About a year afterwards, I received a notice from XXXX on XX/XX/XXXX that indicated I owed {$160.00}, a delinquent collection notice. This was the first such notice. 
Key Bank has agreed to pay the delinquency, but as of XX/XX/XXXX, I do n't see that they have paid the {$160.00}, nor have they recompensed me for the drop in my FICO score, caused by their errors. 
It seems strange a closed account could generate the problems precipitated by IT problems at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I 'm paying Equifax for XXXX monitoring. They alerted me XXXX XXXX XXXX pulled my credit. Equifax gives the same response every time I call to dispute an inquiry. They tell me I have to contact the company who pulled the report. I spoke to XXXX XXXX XXXX because they pulled my credit report in XX/XX/XXXX and in XX/XX/XXXX for a company out of XXXX, FL called XXXX XXXX XXXX. I filed a complaint against XXXX XXXX XXXX and they contacted XXXX XXXX XXXX. XXXX XXXX XXXX told me they do n't pull credit reports for bankruptcies. XXXX XXXX XXXX is set up with them to pull credit reports, but not for the purpose of a bankruptcy. XXXX XXXX XXXX said they would contact the credit bureaus to have this corrected. Now I 'm showing another hard pull from XXXX XXXX XXXX from XX/XX/XXXX. It is obvious this is a clerical or data entry error because it matches the date the pull was done on XX/XX/XXXX. Equifax will not help me. XXXX XXXX XXXX is telling me I have to contact XXXX XXXX XXXX and my relationship with them is severed. XXXX XXXX from XXXX XXXX XXXX in XXXX, FL told XXXX XXXX XXXX I tried to refinance my mortgage and it was not an option for me so I had to file bankruptcy. I have never had a mortgage and this was their way of keeping their relationship with XXXX XXXX XXXX in good standing. This was fraud and is unethical. I signed a retainer in XX/XX/XXXX for my attorney XXXX XXXX XXXX who 's office is in the same space as XXXX XXXX XXXX. My bankruptcy was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Equifax really needs to remove this inquiry. It lowered my score by XXXX points. XXXX XXXX said they do not have a record of pulling the report on XX/XX/XXXX, but XXXX XXXX XXXX is the company which has to get it removed. How can I get them to remove it when they may have put it on there in retaliation of me filing the complaint with the XXXX of Pennsylvania. I have sent a complaint against XXXX XXXX XXXX with the Florida Attorney General. I will be filing a complaint against them with the XXXX of South Florida and I 'm filing a complaint with the Florida Bar Association against my attorney. She had no reason to delay the filing of my bankruptcy for an entire year. 


Alerts XXXX XXXX XXXX XXXX monthCurrent XX/XX/XXXXEquifax - InquiryArchive this alert |Hide alert detailsAn inquiry was made by XXXX XXXX XXXX XXXX for your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Initially, I received a call from Receivables Performance Management. They only stated their name and asked for me to verify my identity. Unsure of the nature of their business, I asked what kind of business they conduct and told them I did n't feel comfortable disclosing my identity through sensitive information without knowing who they are as a company. They refused and said they could n't legally disclose that due to privacy issues. This seemed suspect to me so I refused and hung up. 

I called XXXX XXXX because I had just closed an account with them to see if there was any connection. After a conversation with a customer care representative, it was discovered that a {$49.00} charge was in error and that I had a zero balance. On XXXX XXXX, 2016 I received an email stating that my balance was zero and that " A request was already sent to update your account to the Outside Collections Agency. Please be advised that it will take within thirty days to update. '' On XXXX XXXX, 2016 I was notified by XXXX that a new collection had been added to my XXXX credit report in the amount of {$49.00} from Receivables Performance Management. 

I attempted to call Receivables Performance Management, but there was no answer after numerous rings ... not even a selection menu. No answer at all. I then called the billing department at XXXX XXXX and was transferred to an " account specialist ''. I explained my situation and asked them to rectify things with the collection agency with whom they have chosen to align ... communicating my frustration with how this collection agency either broke the law, or was operating on the fringes of the law. 

XXXX XXXX effectively stated that they could do nothing to remove the inaccurate credit report addition but resend the same information that they had sent in XXXX. Receivables Performance Management does n't answer their phone. This is the reason for my complaint with the CFPB. 

I could have an attorney send a letter stating which law the collections company is violating, but out of principle I should n't have to pay an attorney fee to fix this.

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 08-08-2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Deposits and withdrawals

Complaint: I have been sending {$100.00} to Capital One Bank for several years into my High Yield Money Market account. For some reason, Capital One stopped crediting my Money Market account as of XXXX/XXXX/15 although my Credit Union has continued to send the money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Experian has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Experianto scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.

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 01/20/2016 about Debt collection (Payday loan) with Rosen Management Services Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was contacted by XXXX XXXX. She stated I had a debt with XXXX XXXX XXXX, for a loan I took out online in XXXX. I told her I do n't remember taking out a loan during that time and asked her to mail me a copy of the paperwork. She stated she can email me but can not mail it because it force a wage garnishment against me. She emailed me the paperwork on XXXX/XXXX/XXXX and I pulled my credit report. This company is not on my credit report and I called XXXX today and made a dispute about this bill and she informed the bill has gone back to the original creditor. I told her I wanted the paperwork mailed to me and she claim she will. I do not owe this debt nor have I taken out a loan with company. Also, on the email link she sent me, another name was on the email, Rosen Management Services. I do n't know who they are either. It is scary how they received my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to Equifax and XXXX in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Money transfer, virtual currency, or money service (Virtual currency) with WELLS FARGO & COMPANY (GA).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I went to the bank of course XXXX Wells Fargo XXXX Georgia XXXX XXXX a check was Wireless deposited into a bank account and without the permission of the owner of the check the account owner lied to the check on her stating that it was needed for other reasons and I then went to the bank and ask if I had a check and their bank Wells Fargo XXXX Georgia XXXX XXXX and I was then greeted Buy the supervisor on duty and she took my license and within seconds she asked me several different questions that I have a car number that I know where the check come from that I know how much the check was I didn't told her no but I supposed to have a check in this Bank wrongfully secretly deposit Wireless without my permission then the owner then stated company policy which is the bank is they can't deliver any information about anyone account without legal documentation so I went to the Sheriff 's Department in XXXX County XXXX Georgia XXXX and ask law enforcement what would be the proper procedures of retrieving the check that was deposited transfer or instructions in how to take legal actions they toad me I will have to go back to the bank and get a fraud affidavit I then went back to the bank and requested a fraud affidavit and was denied buy a male secretary in the bank and I have a witness that was present during the denial and the referral back to the Sheriff 's Department XXXX County XXXX Georgia I then renounced and see other advisement of solving this problem I am streaming disappointed stressed out and I need this resolved thanks have a wonderful day be blessed and the dates will be the XX/XX/XXXX. XX/XX/XXXX. and then the XX/XX/XXXX. XX/XX/XXXX this will conclude my statement

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 12/13/2016 about Debt collection (Medical) with P.S.C., Inc (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: While discussing the debt the agent repeatedly refused to provide details on the debt until I provided information about myself. They also requested details about financial arrangements with third parties and insisted I provide the information before proceeding.

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 02/22/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I contacted Wells Fargo on XXXX day regarding a transaction that I had completed using XXXX. Since I did not receive the goods I was promised, they explained to me that I could dispute the transaction. Th next day I contacted cashapp and they stated that they would refund my funds but the bank would need to submit a refund request. I submitted all the documentation to Wells Fargo regarding the information I received from XXXX and for their investigation. On XX/XX/XXXX, I was notified that investigation was final and they were reversing the transaction. I contacted XXXX  and they stated that Wells Fargo did not contact them and I ask Wells Fargo why they stated that they did not have too since it was my account regardless of the fact I did not get the product I received and the company was going to refund the money.

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 10/24/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I went into a dealership and asked that they only submit my deal with XXXX. I got home and noticed they had submitted ti a lot of banks I did not authorize. I have contacted the dealership and they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MS).
Issue: Charged fees or interest you didn't expect

Complaint: ON XXXX XXXX, XXXX, I CONTACTED CASH NET USA VIA EMAIL CONTACT. MY STATEMENT/QUESTION TO THEM WAS AS FOLLOWS : " WHY DO I KEEP/CONTINUE TO RECEIVE LOAN PRE-APPROVED OFFERS VIA MAIL? I CURRENTLY HAVE A PAST DUE LOAN. I AM EXPERIENCING FINANCIAL HARDSHIP AND DO NOT KNOW WHEN I WILL BE ABLE TO REPAY THIS LOAN. I DID NOT REALIZE AT THE TIME OF APPLYING THAT THE RATES WERE SO EXTREMELY HIGH! I AM ALMOST PAYING DOLLAR FOR DOLLAR FOR THE AMOUNT I RECEIVED. IF I DO NOT QUALIFY FOR ANY ADDITIONAL OFFERS, PLEASE STOP SENDING OFFERS TO ME. PLEASE REMOVE MY NAME OFF OF THE MAILING MARKETING LIST. THANK YOU KINDLY. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My student loans are through Navient. The payment plans are unreasonable. There is no way I can pay my monthly payment. The payments are always changing. I 'm not sure what I am paying for. I tried consolidating my loans, but was hit with a failing job market. The school I attended has closed down and I cant even get my transcript to start more classes to get a better paying job. The loans are constantly rising as well as the interest rates. I currently owe {$31000.00}. My loan has went into default without any knowledge. Was never told the true cost of forbearance or even how my loan has reach the amount of {$31000.00}. They never offered the IBR payment plan. This has caused so much interest. I can not pay this loan with my income. I can not benefit from this loan or the diploma program because the school ( XXXX XXXX XXXX ) has closed and this makes the program void. With this much debt and program of study I cant utilize, I will never pay this off, because I wont make the money to pay it off. I cant get a decent job because I have no college diploma because the school is closed. yet I 'm still being billed XXXX dollars. This company has did so much to students and consumers trying to take everything making it impossible to live a life. I can not benefit from this loan the school is closed and I am so lost and drowning in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Nationstar Mortage a year ago. The modificaiton was approved but they added XXXX extra to XXXX mortgage stating that these are all fees I owe to them, I have been requesting an itemized breakdown of the fees and have not been successful. I believe these fees to be extremely high and would like a clarification on such. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (GA).
Issue: Shopping for a loan or lease

Complaint: I contacted my bank, Wells Fargo, to ask about the current auto rates. They were only able to give a range of rates ( 3.49-18.49 % ) unless I filed an application. I declined to do so because I was n't committed to purchasing the car and did n't want a hard pull on my credit for no reason. About 3 week later ( on XXXX XXXX, 2016 ) I received written correspondence that my loan application was decline because " the credit application was incomplete ''. In fact, there never was an application. They also pulled my credit in violation of the law.

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 Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Other

Complaint: There were fraudulent transactions on my credit card for which I promptly notified XXXX XXXX. They cancelled the current card and sent out a new one. In the mean time they purported to open a fraud investigation about the charges. However after 3 calls and waiting 30 days, the charge is still on my credit card in addition to a fee for foreign transaction fee levied by XXXX XXXX. Over the course of those 3 calls they assured me it would be removed in 30 days, but we 're still waiting and I refuse to pay the bill with fraudulent charges on the statement. They could have easily put the charge in disputed status so it neither affected my balance nor was added to my statement, but the refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/29/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank keeps calling every hour on the hour it seems, to collect on their carecredit credit card.. I have repeatedly told them we are in the process f making a payment and this does not seem to sink in. I am at my wits end with them and feel the only course of action is to file a lawsuit. I do not want or need this sort of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing statement

Complaint: Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation