milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (VA).
Issue: Settlement process and costs

Complaint: The CitiMortgage Notary Signing Agent came to my home on XXXX. We signed the loan docs and were complete by XXXX XXXX. that same day. 
Although the loan was a cash out refinance that I had to complete a plethora of paperwork to be approved, at no time did anyone from Citi, or XXXX, inform me or ask me how I wanted the proceeds distributed and in the past when I have closed on loans, proceeds were distributed at closing. 
Imagine my surprise when at closing the Notary Signing Agent did not have a check for me. 
Instead, she provided me with a document asking me how I wanted the proceeds distributed. Had this document been provided to me before the closing I would have stated at closing. After having my hand forced by not making this election prior to closing, my choice was ETF. Electronic Transfer of Funds. 
I was very displeased with the proceeds not being distributed at closing and not having been told about this prior to closing. 
Citi Mortgage funded my new loan on XXXX, as of this writing my proceeds are still outstanding and have not been disbursed to me or my bank despite my requesting etf and providing all banking information. 
Although I am now responsible for paying back this loan as of XXXX/XXXX/15 I still have not received the cash that was due and payable to me at closing on XXXX/XXXX/15. It has been a little while since I did a refinance this does n't seem right. Do they owe me interest like I had to pay daily interest on the loan amount?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attached letters with this complaint. 

First of all - both XXXX and Equifax failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Medical) with R.M. Galicia, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The bill was paid on XX/XX/2016 and I have sent copies of cancel check to them, but they are not doing anything about it. The check was sent to XXXX base on there statement. The only thing that they have done it sent me to collocation XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TMX Finance LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Core Recoveries, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.

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 02-04-2017 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX student loans from XXXX bank. They are in default and are now handled by Weltman, Weinberg and Reis Co., LPA. I have spoken with them twice about establishing a reasonable payment plan. My loans total {$48000.00}. They want me to make a down payment of about {$3800.00} and then make monthly payments of {$800.00} for the next 48 months. That monthly payment is totally impossible for me. I am willing to go back to making reasonable payments such as about {$200.00} per month, but they wo n't accept that. Also the length of repayment has been decreased to 4 years whereas student loan repayments are typically 10 years or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (I do not know) with Platinum Holdings Group, LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have received calls from " The Huntington Group '' - telephone number XXXX, XXXX, XXXX ( and more ) representing themselves as a number of varying folks from process servers to attorneys, up to Managing Partner, XXXX XXXX. They have now called my cell phone, my home phone, my work phone, and my work corporate office threatening a Summons to Appear, advising that they have been unable to reach me at my home, which is the same address that I have had for XXXX years. 

I have called these folks back, and they continually ask me to pay anywhere between {$500.00} - {$2000.00}, gradually decreasing each time I refuse, however, will not tell me what the debt is for, will not provide me proof or validation of the debt, and will not provide me with a mailing address to mail them these requests or a formal request to stop calling me until the debt can be validated. 

I have asked these people to cease calling me at any numbers until they can provide proof of the debt, at which point I am told that they do n't have to provide that since they are a " Legal Group '' vs. a debt collector, yet no record of the company exists. 

They refuse to end calling - most specifically my place of business, until I make a payment toward this unknown debt. They have threatened to come to my place of business and have the HR Director or my Managing Director call me into a meeting to serve me with the necessary files if I do not pay them directly, over the phone, without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I expressed a dispute request by phone and in writing at the end of XX/XX/XXXX and XX/XX/XXXX that 2 student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days of reinsertion per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i asked for information to be removed as it was paid and released but credit reporting companies refused to remove items

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Dear XXXX ; XXXX/XXXX/XXXX I received a letter today from the Law firm XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXXThe letter stated they were garnishing my wages on a loan that I had desperately tried to repay for the last XXXX years. XXXX XXXX refused all offers to repay this loan. Asking for exuberant monthly payment amounts. Advising the debt would continue to gain fee 's and interest unless the total balance was paid in full. I advised their practice to repay a debt was ridiculous and unethical. Questioning several times how can a {$20000.00} dollar loan accrue {$14000.00} dollars in interest and fees? My sister-in-law cosigned the loan for me in XXXX, AZ in XXXX. I 've contacted the law firm by mail stating what I could afford to pay and they rudely declined my request. XXXX XXXX a Minnesota based law firm sent paperwork to my employer to begin garnishing my wages which I can not afford to happen or I will lose my house. 

Very Respectfully yours, XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (I do not know) with NCC Business Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was never informed of any debit prior to calling me, the debit is not mine and I informed XXXX XXXX at NCC Business Services XXXX extension XXXX of this fact when the first call was made on XXXX/XXXX/15 at XXXX. Subsequently I was called XXXX more times in violation of federal law. This is not my debit. They have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have sent to dispute letters to remove old address. The first letter was by fax on  XXXX   XXXX ,   XXXX   where they deleted some but not all of my old address. I sent a second letter on  XXXX   XXXX ,   XXXX   that was certified with electronic receipt, the letter was received on  XXXX   XXXX ,   XXXX   and was resolved my  XXXX   XXXX ,   XXXX  . The address were not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Debt collection (I do not know) with D. SCOTT CARRUTHERS (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: XXXX  I received the first call, I asked them not to call me at work, they continued and my  manager  even had to speak with them to let them know that I could n't receive calls at work but he continued to call saying he was an attorney at a legal office. So I put the request in writing and faxed and mailed over the cease and desist calls. The calls are now back as of  XXXX   XXXX   XXXX ,  two  calls back to back to my employer  XXXX  and  XXXX  and then my cell phone at  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with U.S. BANCORP (OH).
Issue: APR or interest rate

Complaint: I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Debt collection (Payday loan debt) with BlueChip Financial (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I took a payday loan out and have been unable to pay it back, received several harassing phone calls. Received phone call just now  XXXX   XXXX   2017  and they told me they were suing me for wire fraud and were coming to serve me at my place of employment. I called the phone number  XXXX  for the offices of  XXXX   XXXX  and  XXXX  and spoke to a gentleman who stated they had an affidavit from my bank that I had falsely obtained funds via bank wire. He asked me when they could serve me the paperwork and I said I would be off at  XXXX . He then asked me if I wanted to resolve this debt on the phone right now and I told him I wanted to see the paperwork first. He then told me they were coming to arrest me right now.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I mailed Equifax last month and asked that XXXX accounts that say I dispute them be changed since I DO NOT dispute them. I have no issue with the results of the investigation. Now my loan officer says I can not get approved because these are still in dispute. 

Despite the fact XXXX of these # XXXX and # XXXX were DELETED by the other credit bureaus. BUT if they refuse to delete them then I am no longer fighting please just take them out of dispute so I can get approved!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Equifax company has information that my accounts were included in a bankruptcy, but they refuse to take it off or have the creditors put that information in. Also, Equifax keep hanging up on me and wont listen to what I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for " XXXX ''. I then sent an email to a XXXX complaining ( XXXX ) eleven days ago, and it has been ignored. No response from any XXXX or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient ( formerly  XXXX   XXXX   ) ha s taken my private student loan and turned it into a repayment extending to 17 years! At this rate I will pay back {$87000.00} for a {$24000.00} private student loan. While the rate is variable between 6.0 % - 10 %,   Navient has not been shy about jacking the rate to 10 % for the last couple of years.
I should n't have taken the money, but they definitely should n't have given it to me! I come from a low income family and had little financial understanding when signing my life away. Now that I am more savvy, Navient has made it difficult for me to optimize my student loan repayment process.
For years now I have attempted to remove my cosigner ( who now has terrible credit ) just to have another Navient obstacle put in the way. The private student loan is currently so high that no other lenders will consider refinancing it given my income ( regardless of my husband 's income ). Now tha  t I 'm a stay-at-home mom, my chances of releasing a cosigner seems even more bleak since I have no income.     Customer service is rude and unhelpful every time I call. I have added my husband as someone authorized to speak on my account and they lost record of it. They make it seem as if I am already taking the most optimal path to liberating myself from this crushing debt.     Their website promoted a 0.25 % interest rate decrease for signing up for autopay. While I saw the benefit initially - my loan is now being charged as if I had never enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I would like to do a short sale because I can no longer maintain the high mortgage payments of the home. I feel the lender, Nationstar, is trying to foreclose without allow me to sell the property. I have lived here since 2004 and this is a very difficult decision but I want to be be able to avoid foreclosure since the original lender, XXXX Bank, had committed many acts of fraud and even foreclosed while I was making payments. They sold the loan to XXXX as they begin to rescind the foreclosure. Since then I was n't allowed to make payments for years before Nationstar finally approved me for a loan mod. The loan was part of the National Settlement and I was paid a few thousand dollars for the errors. The balance of almost {$1.00} XXXX is over $ XXXXXXXX in late charges and the loan is an interest only loan. The home is worth less than $ XXXXXXXX but my payments or more than {$4600.00} per month. XXXX can not help due to the high balance, so I just want to be able to sell it. The home is XXXX and there is a lot do dispose of with that size of a home. 

Please allow me the opportunity to sell the home as a short sale to avoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid and closed by my employer XXXX

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