milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX Nationstar Mortgage company took over ( bought ) my Mortgage from XXXX XXXX XXXX. In XX/XX/XXXX they sent me a letter stating I did not have enough Flood insurance coverage to meet their requirements. I informed them that my agreement with XXXX XXXX XXXX stated I only needed XXXX % of unpaid balance. ( about {$57000.00}. worth of ins. needed ) They went and purchased Gap insurance without informing me. 
After numerous letters and phone calls with no resolution to the matter I had to get a lawyer involved. After receiving letter from lawyer proving they were at fault in the matter they cancelled the insurance and returned my money to escrow. Since that time they have done the same thing twice. Every three months I receive letter stating I do n't have enough insurance I have to go and fax papework ( which costs me money ). As of the writing of this letter they went and got me Gap insurance, taking the money out of my escrow account and raising my monthly payments. I have {$120000.00} worth of flood ins twice the amount needed. It is very stressful dealing with this company. If I speak to a representative I am told it was an error and will be taken care of. Nothing is done. Then I fax over letter from lawyer all mortgage agreement with XXXX XXXX XXXX and it is cancelled. This time after doing all the same nonsense they have not contacted me or cancelled the ins.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I have sent XXXX faxes and XXXX letter to Fifth Third bank ( XXXX ) requesting that they close my saving account and send the remainder of my funds in a check to my address. I am ill and I simply do n't have the energy to go back to the bank branch which is XXXX miles from where I live. I would have to take a bus, train and a shuttle to go back to the branch and round trip the travel would take 8 hours. Despite explaining this and asking several times that they close my account, the savings account remains open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/30/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Problems when you are unable to pay

Complaint: Company rep contacted me at work. We are unable to accept personal calls and even after being told so, she continued to harass staff and insisted on leaving her name and contact number. 
Her name is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (Conventional fixed mortgage) with GUILD MORTGAGE COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I had engaged a mortgage lender and was incorrectly advised by this lender on a gift transaction. As a result they are telling me I am required to disclose additional information I was told I would n't have to due to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (WA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I originally opened the account but released all control to my daughter when she moved XXXX by phone with a XXXX rep XXXX years ago. I have never been billed for the account in the past 7 years ... my billing address is not on the account because everything was through online bill pay ... eco bill. I do n't have access to the account and now all of a sudden it has gone to collections and they are saying I am the original account holder and responsible for the past due balance owed on the account ... supposedly my social is tied to the account so that means you should also have access to my other account in order to contact me about the past due amount. XXXX dinged my credit without contacting me XXXX. When I called XXXX their excuse was we billed the address on file. I know that was a lie because everything was online bill pay. There was no address on file I know that for a fact because the rep asked me for the password that was on her account so they could access the account. I told them I had no clue to the password since it was not my account. I also know my email address was not on her account. When she took over the account everything was changed to reflect her ... email address and password ... only she had access to the account. They had no problems allowing her to take over the account so they should be holding her responsible for the bill. Everything is done through email because that 's what the account preferences were set up as. That 's not acceptable ... they have my address on file because I have my own XXXX account so they ca n't say they could n't find me. I have lived at the same address for 20 years and had the same XXXX account for the past 13 years. You ca n't say its my account and never bill me for it. I have received no paper, phone, or email contact over the above referenced account number for the past due balance. You ca n't have you cake & pie and eat too. I was never given a chance to dispute this ... it just showed up on my credit report XXXX hours ago. I received a text alert from XXXX that this was just added to my report. 

My credit report reads as such : ALLIED INTERSTATE $ XXXX XXXX account reported on XXXX XXXX, XXXX : Account # XXXX : $ XXXX Creditor : XXXX XXXX Balance $ XXXX Date : XXXX XXXX, XXXX Reported : XXXX XXXX, XXXX : IndividualRemarks : Placed for collection

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 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: Experian, the credit reportng agency has a serious flaw with thiercredit file freeze system and service. BEWARE ; if you need to use your credit file prior to recieving your security pin by mail, which can take ten days, you wil not be able to have any credit checks. 

I spent hours on the phone with Experian today and after following the insructions to get my pin number online from the experian website, i was blocked repeatly, every step of the way. It even blocked from verifing my own identity, blocking me and constantly saying to wait until i recieve my pin by mail. I never had this problem with the other two credit agencies. 

I needed my file unfrozen in order to get approved for an apartment and was denied both by the landlord and experian because my file remained in freeze mode. Experian needs to fix this issue FAST!! 

My next step is to file a multi-million dollar lawsit against experian for this flaw in thier system

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 03-03-2016 about Mortgage (Reverse mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan modification,collection,foreclosure

Complaint: I am have the power of attorney on my mom 's finances and due to her health issues she has fallen behind in her property taxes. We have been working with her reverse mortgage company Wells Fargo. In XXXX of last year they paid the delinquent taxes and contacted me. my first contact with them was fine. They said to pay back what you can to reduce the amount. We began paying them and the following XXXX, I was contacted by a new agent there who said that they could put my mother on a payment plan but needed to know her budget and expenses. She was to contact me the following day so I tried to contact her and could not. During the months of XXXX and XXXX, I made multiple attempts to contact her or anyone at the call center. Anyone else that I spoke with said that I would need to talk to my assigned agent. She finally contacts me in XXXX stating that they paid the taxes again and now my mom owes double the amount. She also stated that because of the amount due, we can not put her on a repayment plan. We would have to come up with the full amount or HUD will foreclose on the home. This for a balance of {$3500.00}. We have continued to contact them but they do not return calls nor do they seem willing to answer questions. We are reaching a point of frustration and will continue to call but we are afraid that my mom will lose her home and be placed in a long term care facility. We are prepared to send them a {$1500.00} payment in XXXX but we are not sure if the house will foreclose, if so, we do not want to give them that money. Mom just has Social Security and has no additional assets. Wells Fargo does not seem to want to help us in anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Yesterday ( XXXX/XXXX/16 ), at around XXXX and XXXX, I received a call regarding a debt owed by a " XXXX '' which is not my name. Both calls went to voicemail without a message left, and I immediately called back after the XXXX call. The individual who answered became argumentative, and I hung up. Today ( XXXX/XXXX/16 ) at XXXX I received a call from a number XXXX again in regards to a debt owed by " XXXX. '' Once again, I had to tell these people that I am not XXXX and to remove my number from their database. At this point, I am not sure if this company is legitimate or a scam operation.

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 04-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion has been told by both XXXX and the collection department for XXXX correct information and yet a year later for XXXX and 4 months later from XXXX, nothing has been amended on my credit report. They are still showing on the FICO pull a serious delinquency and collection from XXXX and their collection agency. That should be showing from 2011 as the delinquency, not as of recent. It 's been corrected on XXXX over a year ago but TransUnion has either been slow to the finish line or refusing to correct the items. From XXXX it is still showing the balances are too high and that is incorrect as well. I 'm utilizing and have been for over 4 months, less than 5 % of my total credit. XXXX sent TransUnion a secondary notice of XXXX balance when I complained last month.

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 07-07-2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 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 sent letters to all credit agencies regarding listing accounts on my credit report as being adverse. I did not provide consent to credit companies to report accounts as adverse, yet they continue to do so as a violation of Section 609 credit reporting and repair. Credit companies responded with a copy of credit report and not responding to the concerns in my letters.

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 09/13/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a collection letter from   XXXX   XXXX   stating I owe  Capital One a   balance of {$1200.00}. I only have  XXXX  accounts with capital  one  and both are current on payments. Please have this collection removed from my credit reports and cease collection since the debt is not mine. Also the letter was sent to the wrong address, it was sent to an address to where i never resided. So I am confused why I am being sent to a collection agency for a debt that is not mine, and an address that is not mine as well. As mentioned please remove account and collection from my credit report. Also checked the account number and have no account number relating to the account referenced.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: On about the XX/XX/XXXX, I complaint another submission to Experian on XXXX XXXX- this company has reported that i had one month of service in XX/XX/XXXX and XX/XX/XXXX which, I had service with XXXX XXXX and no service due to ( XX/XX/XXXX -XX/XX/XXXX ) to I rent a room on ____. This company continues to slam me with services not rendered and Experian is fully aware by previous complaints but, Experian refuses to remove the inaccurate information on my report.This company is aware of false reporting but, Experian is allowing them to proceed with this information to hurt my credit because, I am a XXXX XXXX XXXX XXXX XXXX and depend on grad plus loans to continue my education. Experian and XXXX are know harassing me to the point of filing a legal suit. I am aware Experian is a business that recieves funds on reporting from XXXX XXXX but, I have asked them to raise above and conduct an investigation. It 's not right or fair for a company to be bias with reporting or other look companies that are violating the law or other ethical condition. I will be filing this with the Texas Attorney General and other federal agencies because, Experian has a duty to uphold and it 's not happening. XXXX is getting away with false and fraud reporting -- ONE MONTH OF SERVice in XX/XX/XXXX and XX/XX/XXXX Experians is turning their heads to ethical issues that makes equal to the same submission..

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 04-08-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I banked with wells fargo for 7 years, I had a credit rating of XXXX, I was married and my wife had a credit rating of XXXX. We applied for a small business loan of XXXX, we were going to co-sign. They denied us. We had combined income of XXXX per year and a business plan and experience. Fast forward 7 years later. I applied for a auto loan of XXXX dollars, this time with a credit rating of XXXX and proof that I was to receive XXXX dollars from a social security settlement and proof of income every month. They denied it, saying that my credit was too low.

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 08/29/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NC).
Issue: Struggling to pay mortgage

Complaint: Shellpoint Mortgage has granted a 2 week stay of the foreclosure sale of this property. We have an offer to submit. However, repeated calls to Shellpoint Mortgage are not returned. Similar circumstances have prompted previous complaints ( XXXX ). Reached the Loss Mitigation Department, in the XXXX SC office, only to find out that only a certain team is handling this file. No one can provide an update, nor could anyone assist. It turns out that the " Special Team '' handling this file, which the investor is XXXX XXXX XXXX, is based in XXXX, Texas, and that QUOTE : " no work is being done at the XXXX  Office, due to the flooding, until further notice ''.
We have an offer, and no Shellpoint Staff is available to work this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: taking more than 30 days sent po report, id theft letter and inaccurate information violation of my rights

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 02/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX was reinserted back onto my Traunsunion Credit file. This account was previously deleted and needs to be removed immediately BecAuse the account is not mines.

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 09/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Closing/Cancelling account

Complaint: XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.

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