milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to nation star mortgage lending from XXXX XXXX. Nation star has regularly stated that my escrows and payments were off so I paid thousands of dollars and my mortgage has increased from {$600.00} to now {$860.00} and I am on a fixed rate with FHA and continuously and paying money to nation star. I have talked to numerous people and nation star and keep getting the runaround even though they know it is messed up they still say I owe money and and am in fear of losing my home due to their shoddy financing practices

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Closing/Cancelling account

Complaint: Based on misinformation provided by CITICARDS customer service on procedures required by the card holder in submitting a merchant dispute the card account was closed. Citicards provides no way of getting in touch with their offices and getting an explanation as to why the card was closed, nor do they provide a procedure as to how a card member can request an investigation into the matter and have their complaints reviewed. 

This was an account in good standing for over one year, total balance paid in full every month and on time.

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 08-03-2016 about Credit card () with DISCOVER BANK (NY).
Issue: Other

Complaint: I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (VT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for 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 non-monetary relief
Consumer complaint received 03/25/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with JH Portfolio Debt Equities, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. 

I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. 

Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX 

XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

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 07-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (NY).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I purchased a dish washer from XXXX in XXXX and applied for a credit card to pay for it. The dishwasher took over a month to arrive and be installed. I received my first bill for the credit card before the dishwasher arrived. The first payment on the {$800.00} bill was due XX/XX/2018. I made a payment of {$200.00} In XXXX I came down with the XXXX. I have a XXXX XXXX so treatment was difficult. I missed the date for my second XXXX payment which was XXXX XXXX. On about XX/XX/XXXX I received my first phone call from XXXX XXXX regarding the XXXX card and they have continued ever since. I was hospitalized for four days with the XXXX  and was hospitalized again this weekend XX/XX/XXXX to the XXXX. This afternoon ( XX/XX/18 ) as soon as I got home from the hospital I had 12 phone calls on my answering system and a taped phone call came at XXXX pm from Synchrony requesting payment on the credit card.

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 12-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: 1.Bank of America has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Bank of America. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Bank of America, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Bank of America straighten the account as it should be. 
3.My email address is XXXX 
4.Bank of America credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.

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 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (MA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Hello, on  XXXX  my statement closed and I was supposed to receive over  XXXX  US Bank points. I worked hard in meeting the minimum spend to receive the  XXXX  bonus points. Then on  XXXX  I logged in and my account was closed. I was told I used cash equivalents but I just shopped at my local grocery store. I received no warning and terrible customer service.

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 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have tried to go directly to the credit reporting agencies and they have simply ignored my request to correct all of the incorrect data. I am coming to you in hopes that you will be able to help me to get them to do what they should have done already. Please remove all incorrect information reporting on my credit report. The following accounts are reporting incorrect information : XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX XXXX : XXXXWhat are the terms and past due amount?? My records do not show that I was late XX/XX/XXXX & XX/XX/2015. Show proof or delete. 

XXXX XXXX : XXXXWhat are the credit limit and past due amounts?? I was not late XXXX 2015. You are reporting improperly. Delete. 

XXXX : XXXXYou are reporting this negatively but you are n't showing any lates. Either report correctly or delete. 

Dept Ed/XXXX : XXXXWhat is the monthly payment and credit limit?? You are showing that I was current but the very next month 90 days late. Where is the 30 and 60 day lates? Either way ... this is past the statute of limitations!!! 

XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX XXXX XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. Fix or delete. 

XXXX : XXXXWhat is the monthly payment, date opened, balance, terms, high credit and credit limit?? You are reporting this as a charge off but there are no lates. There are XXXX of these ... delete the duplicate immediately. 

I would like them to fix or remove these items right away. I appreciate all of your help. Thank you for everything you do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient held my student loans and through advise to take deferments rather than an income based repayment plan My loans balloned to over XXXX dollars. Navient then gave my account to XXXX, a collection agency who demand payment that could not be made, reported my account as in default to the credit bureaus and garnished my social security check. Multiple phone calls and letters trying to arrange a reasonable payment plan produced no results from XXXX. Then XX/XX/2015 my account was mysteriously return to Navient for servicing ; the process started again. I then consolidate my loans with XXXX to avoid having to deal with Navient. Due to their complete and total mishandling of my loans my loans have soared to over XXXX dollars. This has destroyed my credit rating and has made it impossible to buy a house or even a car at reasonable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem adding money

Complaint: Despite me entering my correct account credentials through XXXX to fund my new account, TD Bank is blocking me from transferring money into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: It seems my lender ( Bank of America ) has asked me to start the repayment period for my Home Equity Line of Credit. It was my understanding that this repayment period was to start at the end of 2017. Upon asking for a copy of the loan agreement the lender has mailed me six copies of this agreement but non are legible in the area that identifies the repayment period. I have sent two letters in the past two months and no written reply from the lender. An associate of the lender has called me four times but would not discuss this matter if I wished to record the conversation as they have done in the past on a number of calls. Not sure what my next action should be at this time.

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 08/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed several disputes with TransUnion and XXXX for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has affected my FICO score.

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 08-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have a XXXX loan I took to help my son finish college at XXXX in 2012. The loan is serviced by Navient. I have repeatedly contacted Navient this summer to request a letter disclosing the loan principal amount and the total interest to be paid over the life of the loan ( assuming it is paid in accordance with its terms ). This is for a court proceeding. To date, Navient somehow can NOT figure out how to get this info to me, though I have spent many work hours ( when I should be working at my job ) trying to explain this to them. They keep sending me a letter that summarizes the interest paid to date and the remaining principal. I have received XXXX of these letters, but not what I am looking for. Even as I write this, I am sitting on hold waiting for the Navient supervisor to come to the phone to tell me ( AGAIN ) that they will produce such a letter. But they do n't seem to understand what I am requesting, and they definitely do n't seem to have a program or any other capability for producing such a letter. Does n't federal law require this? I thought XXXX XXXX loans were subject to Regulation Z or similar disclosure requirements. Can you please look into this? I am getting nowhere, and I have a court proceeding for which I need to produce this info. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax credit report XX/XX/XXXX : they have not deleted fraudulent soft inquiries for XXXX done XX/XX/XXXX for fraudulent credit card application, and for XXXX done XX/XX/XXXX that resulted in an actual account being opened in another state that was fraud. I want these soft inquiries deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have contacted Equifax multiple times to inform them that they are reporting someone else 's outdated Public Records information on my credit file. Transitions have not removed this information from my credit file to date. The XXXX/XXXX/2010. I need your assistance in getting this matter resolved and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Debt collection (Credit card) with Financial Credit Service, Inc. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX with XXXX and associates called my sister, on her personal cell phone asking for me. He told her that I owed a claim and they were trying to reach me before I was served papers by XXXX XXXX. ( I do not live in XXXX XXXX and have n't since XXXX ) He left a claim number XXXX and phone number XXXX. I called the number and asked what the company was and the individual asked for my phone number and I refused. He then said well I need something to pull you up with. I said I would like to know what type of company I 'm dealing with and why you are calling my family members looking for me ( not once did he state they were a debt collection agency attempting to collect a debt at all ). He said they were a acquisitions firm and they deal with over XXXX different areas that he needed a phone number or something to connect me with the correct area. I gave him the claim number XXXX. He confirmed my first and last name, and told me to give him one moment. About XXXX seconds later a second gentleman that did not give his name picked up the line and asked for my phone number. I refused again. He said in order to help me he needs info from me, and I asked him why did n't his last teammate give him that. I 'm not giving any more info than I have already provided. He immediately became extremely forceful and rude in his tone. He said he was XXXX manager, that XXXX was unavailable so he was taking over. I said so why is XXXX calling me. He said because you owe on an XXXX credit card. I said not sir I do not. XXXX was purchased by XXXX XXXX XXXX around XXXX or so and any debt I owed to XXXX was paid back in XXXX by my mother on my behalf. He said no XXXX XXXX XXXX sold the debt, we are trying to contact you to give you the opportunity to pay before we garnish your wages on XXXX XXXX. I said there is no way you can garnish my wages for any debt that number 1 has been paid, and number XXXX that is from well over XXXX years ago. He said oh we can and because you do n't want to work with us we will go ahead and push the garnishment through early. I work XXXX and can lose my job for wage garnishment. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.

Company response to consumer: Closed with explanation