milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX has been unable to afford the house payment and has decided to attempt the foreclosure alternative of short sale. Her attorney 's office contacted the lender to verify if we could attempt a modification or short sale review. On XXXX/XXXX/2015, the authorized XXXX party was advised by a representative at NationStar named XXXX, that the foreclosure sale is set for XXXX/XXXX/2015. He stated at this point they need at least XXXX days to review for a short sale and the borrower could do short sale. The attorney 's office had sent a HOME AFFORDABLE ALTERNATIVE PROGRAM ( HAFA ) notice stating that they have failed to provide the borrower in writing these options. That notice was sent XXXX/XXXX/2015 and has yet to be responded to. The borrower is prepared to list the property for short sale and just wants the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I filled out the request form for my free credit report from Equifax on XXXX/XXXX/15 and upon my completion they requested a fee of {$7.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX ( Advance America ), called my home several times after I told them not to. After they communicated with me they still called my references upsetting them. I have talked to several of their agents and one in particular told me I did not have any family and friends when I told him not to call them. They also insulted me and harassed me. They told my mother that they were going to send a sheriff over to my home in 20 minutes if I did not make a payment. My mother contacted the local police who told her if anyone came to the house they were be arrested.I have told this company to stop called and they kept on calling me. Me and my family do not deserve to be harassed or talked to like this company did. Once again I offered to make payment arrangements once I started my job in a week and they said they needed a payment right away. I still blame Advance America.

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 06/20/2016 about Payday loan () with CASHCALL, INC. (MA).
Issue: Charged fees or interest I didn't expect

Complaint: i took out a loan for XXXX dollars and was charged an interest rate of 135 % which is not legal i have been over paying for years XXXX traded their company to cash call and about two months ago i saw that they stopped taking the money from me and did the research and saw i was owed my money back i 'm not looking for any lawsuits if i am payed my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have 2 federal loans and one private loan being serviced by AES. For over a years, I have been making more than the monthly minimum payment. I have asked AES by phone and in writing with each payment that it apply my payments first to interest and then extra amounts to paying down principal on each loan. Instead of doing this, it continues to apply my payments to future payments, such that my monthly payment amount is always zero dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit card () with Alliance Data Card Services (RI).
Issue: Unsolicited issuance of credit card

Complaint: Paypal started a credit card in my name without my express permission. This was after I used Paypal to make a purchase in 2015 for a one-time expense.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hello CFPB, Thank you very much for your service and assistance. 

An account showed up as " charged off '' on my XXXX Credit Report. The only information I can attain is -- CBNA ; revolving account ; first descrepancy XX/XX/XXXX ; then " charged off '' XX/XX/XXXX ; XXXX, S.D. XXXX --. 

I have no idea what this is concerning. Thru online research I found a telephone number for a " XXXX '' -- ( XXXX ) XXXX --, but this number is not a valid telephone number.... Could CBNA also stand for CitiBank of XXXX? 

The last couple years, I spent maybe 60 % of my time away from home as a XXXX working all over the state, but not near home. I also had a few medical issues that were taken care of at various medical facilities near home or away. I have no one at the house to get mail, and what I could n't take care of online gets mailed.... A few months ago, I paid all of my bills, totaling thousands, and went thru all mail, as I never throw mail out. Still, I can find no paperwork that has " CBNA '' printed on it nor any Citibank paperwork. 

I have not opened any Citibank account in years. I tried to open an account with XXXX ( a local box store ) a few months ago, but that was more like XX/XX/XXXX, not XX/XX/XXXX. 

I 've sincerely tried to pay all my bills and have kept and noted all paperwork as paid. I can not contact any CBNA to find out what this is regarding. I want to dispute this being on my credit report, as this year the only outstanding account on my credit report will be this " CBNA '' and " XXXX '', and it could stay on for another 7 or 6 years, harming my credit score. 


Respectfully, XXXX ss # XXXX cell 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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Hello, This involves all my personal information data hacking that has recently been affecting my credit score and also my XXXX XXXX XXXX accounts. I am a victim of identity theft and have reasons to believe it has come from Equifax. I have never experience any bank account being compromised until this. I have been forced to close all my bank accounts, credit card. Now, Equifax has lowered my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On X/X/17 at XXXX XXXX I went online to make a payment to pay my XXXX XXXX XXXX balance to a {$0.00} balance. I then reviewed my account and saw I was hit with a {$27.00} late fee And a {$1.00} Finance charge. When I contacted comenity I talk to 3 separate account managers all of them who said they will not remove my late fee because I paid the account 32 minutes after there cut off time. There is no where on the website that states their is a cut off time.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: I am a registered user of coinbase.com When I try to log in I receive a confimarion SMS. 
Around XXXX 2017, I had to change my phone number. 
The SMS verification codes still get sent to my old phone number and I wanted coinbase to change it to my new phone number ever since. 
This process of changing my phone number requires the verifcation of my ID. 

I tried this numerous times and it never worked, mostly because : unknown reason and sometimes because they have me as : forename ; surname and on my documents its surname ; forename ( XXXX have surnames infront, basically x, y doesnt match your name y, x ). 

I tried contacting the customer support at coinbase.com, but they never replied. 
I have funds ( BTC, ETH ) in my account that are important to me and I can not access them and the customer support does n't seem to want to help me in any ways.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )

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 Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Billing disputes

Complaint: My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Threatening to visit my home or job

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Medical) with Grant Mercantile Agency (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to Nationstar. Nationstar is charging a {$9.00} processing fee for any online payments made after 9 days, even though according to my mortgage I have two weeks before a late fee is assessed. This seems like a late fee by another name.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (NV).
Issue: Application, originator, mortgage broker

Complaint: We were contacted by Caliber Home Loans to refinance a mortgage we have with them to get a lower interest rate. We did all the paper work and they said everything was fine. We paid for the appraisal. We were expecting to close and then they said the IRS said we have Identity Theft so they said we could n't refinance even though we already hold a loan with them and paid for the appraisal. Caliber Home Loans should not have approved the loan and asked for appraisal if there was trouble. We spent a lot of time on this and they were n't organized. They do n't know what they are doing. Do n't use Caliber Home Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.

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 08/29/2017 about Debt collection (Payday loan debt) with Meridian ARG Inc. (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint: I was notified that the company was calling family members about me so I called them. They did not have the correct date of birth. I explained I had filed bankruptcy and to call my attorney. They were notified on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX. At XXXX on XXXX/XXXX/XXXX they left a message threatening to inform my employer. I called again at XXXX trying to explain I had already provided them the information about my attorney. I was hung up on. I called again at XXXX and was told company policy was that it took XXXX and they would continue to call me and my family until then. I explained again I had filed bankruptcy and I was hung up on.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Nationwide Debt Management Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My parents entered into an arrangement with Nationwide Debt XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with Nationwide, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until Nationwide believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, Nationwide failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his Nationwide Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: We have had a mortgage with HSBC for 30 years. In XXXX HSBC transferred our loan to their HFC/Beneficial division where we have been till now. We were given a three month deferment/forbearance some time ago after I spoke with them about my husbands XXXX and our financial situation and resulting late payments. This took the end of our loan to XXXX XXXX. They denied us a modification. Now we were just notified that the deferment has been taken away and the original loan maturity date reinstated being XXXX XXXX. Our payments are/were current as of XXXX XXXX. Now they want the amount of {$4200.00} as final payment which is shocking as well as incorrect. It does not reflect XXXX payment they received and accepted. Also if all payments are current with no past due amount, then where is the amount in principal of {$2400.00} from? there should only be the three months worth of forbearance payments they decided to renege on which is {$460.00} x XXXX. I called and got a run around, hung up on and no answers. After 30 years of struggling and finally near the end and owning our home they are pulling this. Its not the fact that we do not want to make final payment on our home so we can finally retire but the fact that again HSBC is playing games, changing dates and padding amounts due that is unethical. Now we have to scramble to try and find the money before they again try to take our home!! Which they will definitely do with out payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Other debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed a debt in XXXX to Wells Fargo Bank. I was contacted by XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) demanding {$1100.00} by XXXX/XXXX/XXXX. This was sent in and this collection agency sent me a letter showing I had a XXXX $ account balance and that I was Released from all claims and liabilities pertaining to the above referenced account. I recieved a phone call last week ( XXXX/XXXX/XXXX ) from the XXXX XXXX XXXX XXXX ) XXXX attempting to collect the same debt from five and half  years prior, for which I have the written proof that it was paid. I have a message from them stating they were planning on taking me to court and if they did not hear back from me they would talk to my HR dept to garnish wages. When I called XXXX XXXX, the paralegal reported that a letter was sent 45 days prior ( which I never received ) though when I asked for a tracking number she said it was not sent with one. I then submitted copies of the documentation showing payment in full from XXXX to a paralegal I spoke to at XXXX XXXX. She said I would be contacted by one of their attornies in 2-3 weeks supposedly to confirm the documentation. When I asked for a confirmation letter from her, the paralegal said one could not be furnished. I also tried to contact Wells Fargo overdraft collection delartment MULTIPLE times ( 8 times over the course of the morning/ early afternoon ) on XXXX/XXXX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I was disconnected or told to call back at a later time. I also on the same day ( XXXX/XXXX/XXXX ) tried to get their collections dept. to help me which they could/ would not. My goal was to get this confusion taken care of. I tried calling the original collection agency from XXXX ( XXXX XXXX, XXXX ) however the numbers on the paperwork are out of service. The whole situation is disconcerting ; i would hope a large corporation like Wells Fargo would keep more accurate records. It feels as though they are trying to take advantage of me. I am now concerned because Im afraid the new collection agency is going to say because the original collection agency is now longer around, that i still owe the money. Thank you.

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