milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to get my house refinanced for months, and I keep contacting my own mortgage company, Nationstar, to get this accomplished. I have twice now been switched to Greenlight. They run me in circles for months with lies and inaccurate information, have me submit the same information over and over, and pull my credit over and over. 
I attempted to contact Nationstar again yesterday, and was assured I was working directly with Nationstar, and not Greenlight. Greenlight Financial has horrific reviews online because they flat out lie and give out inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: From phone # XXXX Supposedly Wakefield & Associates Unknown debt This phone number continues to harass my phone number even though I have the number blocked. I have not received written notification of this debt/collection to date. 

XX/XX/XXXX- 13 calls XX/XX/XXXX- 4 calls in less than an hour XX/XX/XXXX, my phone received 12 calls I have blocked the phone number due to the amount of spam/scam reports. My phone keeps a log of the blocked calls.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried to fix these problems c redit bureau- My lawyer  and I are getting ready to file a lawsuit.     Please remove these inquiry from from my credit   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   someone else tried to get a car in my name and all these inquiry popped up i have called numerous of times the companie tell me to contact bureau and bureau tell me to contact company Judgement case number  XXXX  amount  XXXX  - this account has been paid in full.     These items were deleted and reappeared - Also these accounts are closed!!!! please remove. Balance is  XXXX  ON ALL OF THESE ACCOUNTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   This is my  last  time before I sue all  XXXX  credit bureau

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 05-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On approximately XXXX XXXX, 2016 I contacted Ditech Financial, the holder of the mortgage on my home, with a question regarding the process for making a large payment against the remaining principle and also asking if I qualified for a " recast '' of the loan. I have received two letters from Ditech Financial both telling me that they are investigating my question. THIS IS A SIMPLE QUESTION! They are dragging their feet because they make over $ XXXX/day in interest on my loan. Every day they delay, more money goes in their pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.

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 01/14/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been making payments for over XXXX years to Capital One ( previously XXXX XXXX ). When Capital One took over XXXX XXXX, Capital One would charge me $ XXXX yearly in fees, which I did not have to pay originally with XXXX XXXX. 
In addition, every month for the past XXXX years, I have paid their interests fees, 3.25 % and some Principal, but my loan has never reduced to a logical financial satisfaction. In fact, my loan has increased. 
On XXXX XXXX, XXXX, I submitted a package to reduce my interest rate and therefore to reduce my Principal balance, due to a hardship ; and have spoken to and received letters from approximately seven different people. 
Lately dealing with XXXX XXXX, Loss Mitigation Specialist ; but she has misplaced some documents which I submitted. Unfortunately, I have misplaced my copies and requested a copy from them, but it was denied. All documents that I submitted were via Post Office, I do have a {$10.00} returned receipt. However, in her letter she does admit there were XXXX pages. XXXX XXXX, also requested additional documents that stated " no later than Friday '', XXXX XXXX, XXXX. The letter states that if Capital One does not receive the documents by that date, it will be denied and I would have to start another application package. 
Therefore, I am submitting documents and basically a new package again by Friday afternoon, XXXX XXXX. 
P.S. Not once in XXXX years have I been late in any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Checking or savings account (Other banking product or service) with First Data Corporation (IN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: We h ave Business ch ecking with  XXXX . Every month were charged a {$43.00} lease payment for the  XXXX   XXXX . However this device is in operable. We 've reached out to  XXXX    XXXX   XXXX  , along with First data who has been almost impossible to get through to.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with E-Backgroundchecks.com, Inc. (TX).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On Friday, XXXX XXXX, XXXX I received a CFPB settlement check from E-Backgroundchecks.com dated XXXX/XXXX/XXXX, Check Number XXXX, Invoice Number XXXX in the amount of {$910.00} that would void if not ashed within 180 days of the original issue date. I called E-Backgroundscheck.com on Monday, XXXX XXXX, XXXX at XXXX CDT and spoke to XXXX XXXX who told me that they re unable to reissue a new check because the check was not cashed within 180 days. This check did not show up in my mailbox for nearly two years and I am requesting that a check be reissued since I was wrongly discriminated against on an employment application as a result of information that was wrongly provided by E-Backgroundchecks.com to a potential employer. I am requesting your help in getting this check reissued. I am also providing a copy of the check and cover letter that was mailed to me as supporting documentation. 
Thank you for your assistance XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Student loan (Non-federal student loan) with AES/PHEAA (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Professional Debt Mediation, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On or about theXX/XX/XXXX I sent a letter to Professional Debt Mediation , Inc . The intend of this letter was to offer them an amount and in return, they would remove the debt they posted to my credit file. In that letter, I was insistent on the fact that because I offered to settle on that account, that in no way meant that I was acknowledging that debt of accepting it as my own. On the XX/XX/XXXX, I received a letter addressed to me from Professional Debt Mediation , Inc . In it, was a confirmation of debt. This confirmation of debt, however, is for someone by the name of XXXX XXXX, also referred to in this correspondence as XXXX XXXX. I am not XXXX XXXX  ( XXXX ) nor have I ever been associated with someone by that name. I have never lived at XXXX XXXX XXXX Apartments nor have I ever signed a lease there. Professional Debt Mediation, Inc. not only violated someone else 's privacy and confidentiality but they also failed to properly confirm my debt with 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 11-02-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To give you some back ground : I, along with many others, have had my home partially destroyed by Hurricane XXXX. We are in the middle of a disaster. I am making all of my mortgage payments on time while not even living at my house. FEMA flood insurance provides no coverage for living expenses so being out of my house while still having my regular bills is draining my bank account. I would like to have my house fixed as soon as possible. 
Nationstar Mortgage is making the process of getting my house fixed very cumbersome and they are causing everything take longer. 
The first issue : FEMA issued me an advance check to be able to start repairs for {$15000.00} prior to an estimate of total damages. Nationstar is also listed as a payee. I sent the check to them a week ago, paying money I ca n't afford to have 2 day delivery because I desperately need the funds to start repairs. Nationstar is requesting an estimate to endorse the check when there is no estimate yet. Now they are indicating it will be 3 to 5 days more to review all while my family and I are sleeping on couches and repairs are being further held up. Contractors have plenty of work due to the disaster and they will not work without being paid. I still have an equity loan I need to endorse the check as well. 
The second issue : Once the claim goes over 20,000, Nationstar says that they get to hold all of the funds. I do not get to have the money I need to fix my house. This is money that I am receiving from a flood policy that I paid the premium for, not Nationstar. It is not Nationstar 's money. Nationstar says that every estimate, every check, every contractor, it all has to go through them, and they will decide whether to release the funds. This will make the process even longer. At this rate, I will not be back in my house until XXXX. 
Banks should not treat people like this. They are costing my 1000s of dollars by delaying my repairs. We are in the middle of a disaster, and they are showing no flexibility. 
This business practice by Nationstar seems very shady and is having a huge affect on those in need. 
I appreciate any assistance that you can provide. Please feel free to contact me. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NC).
Issue: Managing the loan or lease

Complaint: I noticed that my credit score was negatively impacted when I was in process of refinancing my mortgage. This was a result of an oversight on my part for missing my XXXX 2015 car payment to Honda Financial Services. When I did realize the oversight I immediately paid XXXX 's and XXXX 's payment. I feel that Honda Financial Services did not pursue all avenues of making me aware of the situation and did not inform me of the negative impact of this oversight would have on my credit score. I did not receive any written documentation to inform of my missed payment nor were any voicemail messages left on my telephones ( home/cell ). I did call Honda Financials Services once I realized this negative impact and was instructed by the customer service representative that there is nothing they could do to reverse the negative rating. Again I strongly believe Honda Financial Services should have been more proactive to avoid this negative impact to my credit score especially when I have the means to pay. To this date I have not missed another payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (IA).
Issue: Deposits and withdrawals

Complaint: I am XXXX y.o. with a XXXX Checking account from Wells Fargo and debit card overdraft protection tied to my savings account. I was charge {$15.00} on XXXX for exceeding what I was told was a XXXX or XXXX transaction limit for withdrawals. That may be correct or not, I 'm not certain. What I do know is I signed up for alerts and received an email saying I was nearing the transaction limit. My complaint : If Wells Fargo can tell when I 'm nearing my limit they should be able to tell me when I 've actually reached my limit and give me the choice to exceed the limit and pay {$15.00} or simply cancel the transaction. I was not afforded that choice and do n't feel it appropriate to charge me {$15.00}. My regular balance is around {$100.00}, so I was essentially charged 15 %. I have to say, for a XXXX, that is a big hit!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2017 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Approved for tax exemption program with my county ( located in XXXX in the state of Virginia. Lender is still currently charging me for taxes even though county and HUD approved Housing Counseling agency has submitted documentation showing where we are now exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion did not provide VALIDATION AND PROOF of late payments, which is requested. Please have them validate late payments displayed on my credit report for accounts : XXXX XXXX XXXX Also, all XXXX accounts have the " SAME NUMBER '' Please Remove ASAP

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 05/27/2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recieved a copy of my credit report while trying to refinance my house and several times before I have disputed the same issue at least ten times and they keep telling me the information is correct and I need to contact the bankruptcy court. So I contacted the bankruptcy court via email and phone and the lady at the bankruptcy court clerks office sent me several emails to send to equifax stating they need to remove the bankruptcy 's because they were part of a third bankruptcy that was discharged. Again they said they did there investigation and said the bankruptcy 's are reporting correctly even though I sent them the copys of all the emails from the bankruptcy clerks office with her name that she told me equifax could call her and she would verify the information. I called her and she said equifax NEVER called her to verify anything. I have copy 's of her emails and I can fax them or send them by mail to the CFPB but equifax has copy 's of the emails unless they are untruthful about having them but I have a signature garentee delivery via USPS to prove they received them

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding. 
.

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 02/24/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I no longer can get my tax information or access my loan information online with Coldwell Banker Mortgage Company. I reached out to get someone to help me from Coldwell Banker, and they were unwilling to do so! They told me they could mail the information to me, but I have never received a single document via mail from them?? The told me they could fax me my mortgage tax information, but I do not own a fax machine. I own a PC with a printer and they refused to email the information because of their security policy! 

I have had a mortgage with this company for over 6 years, not 1 late payment! Yet they refuse to help someone who needs information to file their taxes! They changed all of their website information ... now you login in and you are directed into circles! 

I 'm at a loss ... please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Customer service / Customer relations

Complaint: I am a PayPal Extras MasterCard ( Synchrony Bank ) cardholder. 

On XXXX XXXX, 2016, I made a payment of {$53.00} on my PayPal Extras MC account. 

On XXXX XXXX, 2016, a second payment of {$100.00}, *unauthorized by me*, was made to the account, being automatically debited from my checking account. This transaction caused an overdraft, incurring {$72.00} in overdraft fees and causing me a great deal of distress to sort the matter out. 

On XXXX XXXX, 2016, I called the PayPal EMC/Synchrony customer service department and explained the matter. The agent promised me that a refund of the {$100.00} unauthorized payment had been requested and would be processed and sent to me by check within 2-3 weeks. 

On XXXX XXXX, 2016, having not received said refund, I called the customer service department again. I was told that no refund had been requested. The agent supposedly ( I say that because, frankly, I have no way of knowing this was actually done ) put in a refund request during our call ( again ) and reassured me the refund would arrive by check within 2-3 weeks ( again ). 

Having been a PayPal Extras MasterCard cardholder for a number of years ( since before Synchrony Bank was involved ), I am profoundly disappointed. The current course of events is not acceptable. I am doing my utmost to make payments on this account, given my circumstances -- I am XXXX and can not work due to XXXX, and in possession of very limited funds -- and I feel I 'm being met by incompetence and indifference. 
This matter should have already been settled.

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 09/28/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me every 15 to 30 minutes daily. It is causing 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