milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2016 about Consumer Loan (Installment loan) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Taking out the loan or lease

Complaint: Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).

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 02/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX/ Navient. We paid off the final balance of our bill on XXXX XXXX, 2017 ( almost {$10000.00} ). Almost a month later ( on XXXX XXXX ), they " pulled '' another monthly payment for {$220.00} from my bank account. I called and asked for a refund, they said they 'd send it within " 30 days of the last payment '' ( which THEY created and pulled ). There is no option on their website to STOP their pull payments. The representative on the phone lied and said it was a push payment from our bank -- which is completely and veritably false. I suspect they are doing this to all of their clients and making money off the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Non-federal student loan) with Windham Professionals, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This alleged debt is stale dated as it occurred in 2003, and barred from further prosecution by the statute of limitations ; as well as barred from reporting by the FCRA and FDCPA. The seven years have well tolled, yet every six months XXXX University hires a new collection agency to place derogatory collections tradeline on my flawless credit bureaus. This latest schism has occurred on XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (FHA mortgage) with JAMES B. NUTTER & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OK).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

Please help.

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 02/29/2016 about Debt collection (Payday loan) with Delray Capital, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half XX/XX/XXXX to settle outside of court. I explained I was just getting back from XXXX leave and would only be able to make payment of XXXX and the remaining on XX/XX/XXXX and XX/XX/XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " XXXX house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.

Company response to consumer: Closed
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This collection account was paid to National Credit Systems and they agreed to delete this record from my credit score. However, it still remains on my credit report 6 years later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I send certified letters for the past 4 months, asking for verification of unverified accounts listed on my credit report. I have demand in each letter for copies of the original contact with my signature or immediately deleted the unverified account. 

Despite my requests, the unverified items still remain on my credit report and this is in violation of Federal Law and my rights. I have not received any original contacts from the credit agency and by law is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of credit agency investigations, it stated in writing that agency " verified '' that these items are being " reported correctly ''? My question is, who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

please note, if you need copies of the letters send, please inform my by email. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Payday loan () with CURO Intermediate Holdings (TX).
Issue: Applied for loan/did not receive money

Complaint: Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage payment increased without notification. Upon further research, I discovered that a disbursement was made from my escrow account in XXXX of 2014 for taxes. My taxes were paid in full prior to closing in XXXX of 2014. I contacted the county 's treasurer 's office and confirmed that the taxes were paid in XXXX of 2014 and no additional payments were received after that date. The mortgage company is not assisting me. I contacted them multiple times and keep being told that they do not have my closing documents. This has created a financial hardship for me and no one is helping me. My account is currently serviced by LoanCare. Their Customer Service department is rude and no one follows up with what they say that they are going to do. Please provide assistance so that my mortgage payment does not become delinquent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several years ago I put into a web online shopping cart system a class at XXXX ( University XXXX XXXX ), I never fully checked out or agreed to enroll in the course. Somehow they are claiming I enrolled, I never fully completed the online checkout or to my knowledge ever agreed to enroll. It 's analogous to an abandoned shopping cart. It 's simply a case of being an online customer who never completed their purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: In XX/XX/XXXX and XX/XX/XXXX my bank account was hacked into a card was cloned and while in XXXX XXXX money was taken from ATMs across this XXXX XXXX area. US Bank took more than 92 days to investigate the issue in the into room since it is driven my account negative and caused widespread late payments and current bills affecting my credit they then reported me to XXXX even though I was a documented victim of fraud for account abuse. 

That inaccurate and irresponsible reporting of the debt owed to US Bank which was then later decided to be fraud in my favor its kept me from being able to do any normal banking.

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 06/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: I am short selling my house and we have a good offer but nationstar mortgage has an international investor who wants to out house up for auction to see if they get a higher bidder but never addressed the offer they have through the realtor for the short sale. This particular international investor is doing this with many homes. I have been in the short sale process for about 40 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (I do not know) with Premier Portfolio Group (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: An agency going by the name premier portfolio group keeps calling me and several people I know from several numbers all over the country saying I have XXXX hours to respond, that I 've committed fraud and the likes. They never say who the original debt is from, and I am yet to be served with any papers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CT).
Issue: Making/receiving payments, sending money

Complaint: A fraudulent transaction was made on my Paypal account, a money transfer to a XXXX in the amount of XXXX on XX/XX/XXXX, this was attempted/canceled and refunded prior on the same day and it appears the person ( s ) chose to send the funds differently so the transaction can not be disputed as an actual purchase. Sending funds to friends or family is different from a purchase and to the best of my knowledge it can not be disputed. I notified Paypal of this fraudulent transaction and they attempted to send me a link via email to reset password, two emails were sent and not received. It appears there is some error on Paypal 's end which does not allow their emails to go through to my XXXX email address, this has happened before when they attempted to email me concerning a debit card dispute case. I emailed the person, XXXX, at XXXX. However, she did not reply. I do not know this person, it appears someone hacked into my Paypal account or obtained my password somehow, I recently had to change my XXXX password, which is different from Papal, due to someone hacking in or using my password from another location, somewhere in Texas. I do not know if these two incidents are related or not, however, it is very suspicious. Please advise Paypal to reverse the funds from the other party and refund me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Synchrony Bank handles several store credit cards, XXXX,  XXXX, XXXX, and others. In a review of my accounts I find that I do not receive the advertised purchase discounts on my purchases. Example ; on my XXXX store card I am to receive a 5 % credit on all purchases, however a review of the account shows XXXX of dollars of purchases so far this year with no credits at all. Over the years I have used this card this has resulted in several hundred dollars of rewards that were never posted or received. This seems to be more than just an accounting error and perhaps should warrant an investigation to determine how far reaching this practice has gone and for how long.

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 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.

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 08-11-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Trouble during payment process

Complaint: Nationstar mortgage is my loan servicer and somehow has failed to make a 2016 property tax payment. I have an escrow established since the on set of my mortgage. Although I 've been told that this was taken care of this is the 2nd delinquent tax notice informing me that my property taxes have not been paid. As previously stated included in my mortgage payment is escrowed taxes and insurance.
I 've already accrued late charges of which I do n't believe that I should be responsible for as a result of this error. Please assist me in getting the attention I deserve. I do not want to loose my home as a result of delinquent property taxes when it is escrowed. This is the first time that this has happen but I am having difficulty reaching Nationstar and getting this resolved timely ( 2nd notice which means they did n't do anything to resolve this matter the first time they were given notice ).

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (WV).
Issue: Managing, opening, or closing account

Complaint: I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2012 I received a loan from XXXX XXXX, my mom chose to make payments monthly to lower principal balance and would n't have to pay so much when I graduated. My mom paid XXXX and then at some point it became Navient. My mom had a fianancial hardship but ultimately could n't pay 2 months but at the end of those 2 months they were able to pay the full amount and even the next months amount, thinking she was completely up to date. Then we began receiving harassing phone calls from a man from XXXX saying I owed money and needed to pay now. He would yell and threaten to ruin my credit to my mom and myself. XXXX called my grandma saying that our full balance was over {$25000.00} but if we paid {$10000.00} it the loan would be satisfied. My grandma then called back a week later offering to pay that {$10000.00} amount, she took money from her retirement savings to be able to pay him, she was nervous because he offered no information that assured us that this was real and would n't come back later on saying we never payed. After putting her on hold repeatedly, they ultimately hung up on her, then said they no longer had the account. Now I remain in confusion because when I call Navient to ask them who I can properly pay to, they send me straight to XXXX without giving me a chance to speak with them. This has ruined not only my grandmothers credit but my own. I never expected it would be legal for any company to act like this and leave consumers in the dark.

Company response to consumer: Closed with explanation