milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Student loan (Non-federal student loan) with AES/PHEAA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that National Collegiate Trust owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with National Collegiate Trust and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for National Collegiate Trust or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2015 about Bank account or service (Checking account) with U.S. BANCORP (OH).
Issue: Deposits and withdrawals

Complaint: I went to a branch of my bank on Friday XXXX XXXX, 2015 at XXXX to deposit my paycheck. I had a question so instead of using the ATM I went to a teller. I asked my question and gave the teller my bank card and my endorsed check and she gave me back a slip. I checked the amount but I did not have my checking account number, I assumed it was correct. 
The next day I checked my account and found it was not deposited. I called the bank and explained the problem. I was told this was now a dispute and it could take as long a ten days to correct it. I tried to explain to the banker it was not my mistake and as it was my paycheck I could not wait ten days for my money, but was told sorry but there was no other recourse. If I overdraw my account they have no problems charging me fees and compounding them if I do not take care of it immediately how if it right for them to hold my money for ten days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Bank account or service (Checking account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Union bank reported me to XXXX and ca n't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX FCO ( Fair Collections & OutSourcing and I reached a settlement agreement that with a payment of XXXX my account with them would be considered closed and settled and updated to reflect that on my credit report to reflect settled in full ( See attached ). The payment was made to them and I received a confirmation letter dated XX/XX/XXXX. In XX/XX/XXXX i checked my credit and the account reflected as : Open and with a balance of {$3400.00}. At this point I disputed the information and received a letter back from the creditor ( See attached ) stating that the account has been reported correctly. They have not stuck up to their part of the agreement and my credit has been impacted from XX/XX/XXXX until today. I would like this information to be updated on my credit to what was agreed upon. I have been turned down for an apartment due to their inaccurate reporting because it does not reflect that i have paid them in a settlement.

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 01-12-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX 2017 {$1.00} Wrong information 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 05-03-2015 about Debt collection (I do not know) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently pulled my credit report and discovered that this company has reported that I owe them several debts to my knowledge I received not prior notification that I owed them any debt. My rights under the FDCPA have been violated as I was not granted the right of validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I bought a Truck in XXXX and my score was XXXX and had been that for about a year. On XXXX XXXX my score went down XXXX points and on XXXX XXXX it went down another XXXX points and no one can explain why or have a good reason for the XXXX point drop. The service reps keep trying to sell me the monitoring program and it would not have helped at all. Why did my score drop so drasticly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Constantly calling me from different numbers and I have tried to set up a payment plan because I was laid off an fell behind on bills buy I 'm paying everything back asap an I have explained that to them an they supposedly make notes but with in a few minutes they start calling and harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (UT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I purchased a go kart for my son in XXXX of 2016 for {$980.00} using my Chase Visa/debit card. When I received the product in pieces in a box, there were several tears in the roll bars and the seat, the headlights and gear lights were n't working, the go kart would only turn to one direction, there were missing bolts, and the exhaust pipe has fallen off. I tried contacting the company, XXXX XXXX XXXX, dozens and dozens of times via email and phone and would only get the run around or hung up on. I contacted Chase and they issued the refund and started doing an investigation. I received a letter from them last week that they found the charge to be valid and they would be pulling that {$980.00} back out of my account. When I called them to ask how they thought it was valid, they stated that XXXX XXXX XXXX had given them a document that I supposedly signed stating that everything was in good working order. I told them I had never signed anything and I asked for a copy of what the company sent to them in order to prove that the charge was legitimate. They told me I could go to a branch in order to get the documentation quicker, which I did. The bank manager and I sat down as he attempted to get the documents. While on hold, he was doing some research on the company and noticed that hundreds of others had the same issues with this company and he said that it 's clearly a fraudulent company. Once we received the documents, we looked at the signature that was just a bunch of swirls and then he pulled up my signature in their database and could immediately tell that the signature was not mine, but was forged. I later called the claims department and they said there was n't anything they could do because even if it was forged, they provided something to them and that 's enough to validate a charge. I called back a couple of days later and thankfully someone in the claims department took some more time into looking into this case and he stated that it clearly was forged and they should have caught that it was n't my signature since they hinged their whole decision on it and he urged me to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: On or about XXXX my capital one credit card was charged XXXX for lodging that took place somewhere in the USA. I was not in XXXX during this time period ; & provided capital one proof of my time out of the country. My proof included a copy of my passport stamp from that time period, which showed that I was in XXXX during this transaction. 
Capital one gave a temporary credit & subsequently reversed the credit on XXXX. Capital one still has not resolved this issue. I would like your help in resolving this issuethanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Capital One is reporting a collection on my account through XXXX/XXXX. I spoke with a representative in which she advised Capital One bought XXXX Nevada but still disguising reporting using XXXX name. I was in a chapter XXXX bankrutpcy from XXXX - XXXX and Capital One was included. This account should have legally been discharged in this completed bankruptcy payment plan. Capital One is destroying my credit intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with WEBSTER BANK, NATIONAL ASSOCIATION (CT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX, XXXX years old and in the XXXX XXXX XXXX XXXX, had approximately {$100000.00} taken from him by his nephew, XXXX XXXX. Over a period of many months unauthorized checks were written on the account at Webster Bank and XXXX also destroyed the statements before XXXX could see them. Webster Bank was made aware of the situation and reported it to the CT elder abuse department.  XXXX was eventually XXXX in XXXX, XXXX and XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX Since then XXXX XXXX, who is now the POA for XXXX has been in touch with Webster Bank to try and recover the funds. Representatives at the XXXX XXXX XXXX branch have misled her, lied to her and done everything possible to avoid pursing this. XXXX met with the Branch Manager, XXXX XXXX, on XXXX/XXXX/XXXX again and asked for paperwork showing that any action had been taken and she refused to provide it. XXXX said the bank 's fraud department was not pursing this and when pushed told us to contact the Office of the President. Today, XXXX XXXX we called the number we were given and it was the general info number and not that of the Office of the President. We were on hold with XXXX for over 45 minutes who refused to give us the contact info until he tried to resolve the problem even though we told him that the Branch Manger gave us this number. He eventually provided the contact info so we can send a letter. It 's beyond belief that Webster Bank initiated the investigation which led to XXXX XXXX being XXXX for the theft yet they will not take any action to help recoup this money. They have obstructed every action we 've tried to take since the Fall of XXXX. PLEASE HELP US. XXXX is in XXXX XXXX now and is almost out of money. He will need to go on Title 19 unless we can recoup the {$100000.00} taken from Webster Bank. Thank you for any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Received notice of an account that was {$1800.00} and in collections. This account was for Cable and internet service XXXX XXXX at an address in XXXX XXXX. I moved to XXXX in XXXX XXXX to start a business and we have lived in XXXX since then. I never lived at the XXXX XXXX, XXXX, XXXX address where services were established. 
I had been a previous victim of credit fraud so I had a 7 year freeze ( XXXX military ) placed on my credit and this account was still opened without my knowledge or approval. Both the credit reporting agency and the service company tell me there is nothing they can do. This is a verified account. How is this so if I did not even live in the state at the same time and never gave permission. I called the police to get a police report and was told here in XXXX they can not do a report because it happened in XXXX. XXXX says they can not do a report over the phone. 
We are trying to buy a house and this is hurting our family. What can we do? 

Thank you for your attention,

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: 1 ) The Credit reporting companies are allowed to hold bad credit reports for 10 years, however if as in my cast I dropped a credit card for a better interest rate the 8 years of credit history was instantly removed from my credit report. Their explanation it policy allows them not to use information from closed accounts. This also counts for refinancing home loans after 10 years of good history I refinanced my house and lost 10 years of account history. The worst part is I have 10 accounts your history is figured by adding history and dividing by accounts so I closed a 10 year Mortgage and opened a new one I  closed an 8 year credit card the rest of my accounts were all under 3 years old I went from 5 year history to less than 2 year history and it said I have a new credit history and works against me even though you can go back over 10 years on actual history. The Credit reporting companies should be requited to keep all accounts open or closed on history for 10 years so both good and bad can count the current way only favors the banking institutes as they can charge higher rates due to incomplete credit history being used. 2 ) The Credit reporting companies are allowed to use hard hits to lower your score and impact is once again in favor of the banking industries I was car shopping over a 2 week period of time I got between 6 and 8 quotes on cars I wanted. I looked over the data and decided what car fit my price range and returned to the dealer to find out the hard hits lowed my credit score and I was no longer eligible for the quoted rate. Again this is not fair to the consumer but is for the financial institutes. these are 2 major problems as far as I am concerned and need to be addressed and changed. 3 ) The credit bureaus should be working for the consumers not the financial institutes there are other things that are not fair and should be changed like anyone that reports bad credit ( utilities companies, stores that do their one financing ) should not be allowed to do so unless they also report good credit. this will make it so more consumers and get better scores based on real facts not just the facts that works in favor of the financial institutes.

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 10/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Several time from XX/XX/XXXX - XX/XX/XXXX Military has lost personal data for me and my ex -wife and I have since XX/XX/XXXX been fights and still on going to this day. I found out that person or people have SSN #, Birthdate and would call Trans Union and reset my password and order a copy of my credit report. The other XXXX agencies have secret question you have to answer does n't matter if you that the information listed above. But Trans union would reset the password and they get a copy of credit report online now I have a freeze with Trans Union But they continue to try or do open accounts every year. When I called Trans Union about this issue they told as long they have needed information there was nothing they could do but put XXXX credit monitoring on the account.

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