milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: Nationstar Mortgage claims we owe 2 months payment. The problem is we have been in bankruptcy for the past 5 years. We were supposed to have been discharged in  XXXX . Then Nationstar comes back and says we owe 2 months and yet we have satisfied all payments to the trustee of Ch.  XXXX . I have continuously provided Nationstar with bank statements through my bankruptcy attorney and yet they do n't seem to find the payments. To begin with I have never missed a payment to  XXXX   XXXX   XXXX  who first held our mortgages, then now to Nationstar. The reason we got into bankruptcy because we fell behind in our mortgage payment. Now we have satisfied the requirements for discharge, then Nationstar comes along and says we owe two months of this year- XXXX  and  XXXX . I called them on    XXXX  -2017  and spoke to  XXXX , he told me I was up to date in my payments and he did n't know was going on, and he was going to submit an inquiry into the matter. He went on say that it would take a week, but we never heard from him or them again. Since then  XXXX   XXXX  from the bankruptcy attorney has been communicating with Nationstar attorney  XXXX   XXXX . Then on  XXXX  -2017,   XXXX  sends me text saying Nationstar received  XXXX  's payment and that they will apply it to  XXXX  's. I called on  XXXX  -2017 to    XXXX  and spoked to  XXXX  in the bankruptcy department, and claims that the default in payments goes back to when  XXXX   XXXX   XXXX  had the mortgage during the initial stages of our bankruptcy. That is not possible, as we had taken care of that problem about  2  to 3 years ago, and yet they are bringing up matters that have already been resolved. I am trying to get  discharged s o that I can refinance my home and get my title to my truck and move on with our lives, but that does n't seem to be the case with Nationstar. I have prove from Nationstar sent us a letter that  Pre-Petition Default P ayments have been paid in full to cure the default, contradicting  XXXX  's assertion that we still owe. Please help us with this dilemma, I will provide with whatever documentation is required and also they keep on raising my escrow payment and yet we never see a dime of any money that is left over from after them paying the taxes on our house.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.

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 09/26/2016 about Payday loan () with CNG FINANCIAL CORPORATION (OH).
Issue: Can't contact lender

Complaint: Just got off the phone with XXXX, called to see if I could get on a extended payment plan as stated on the website of the CFSA and under facts and myths about payday lenders on the Check n Go website. I was told that EPPs are not offered in Ohio for online loans, so does this mean they do n't follow Ohio law? I have rolled this XXXX dollar loan over 7 times at a cost of XXXX dollars! When all is paid back I will have paid XXXX dollars for a XXXX dollar loan and they wont work with me at all, only if it goes into default which will cost me bank fees and additional fees with Check n Go. Now I know all will say why did you take loan out in first place? Well I am kinda stuck in a vicious cycle cant get out and I want to badly by doing the right thing and paying it back, just asking for someone to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX  refuses to remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am in collections for a utility in a city and state that I have never lived. The collections agency said I had to call the police and report identity theft. I called the XXXX Police and they said since it is XXXX account and not total identity theft it is most likely an error. I have disputed the debt multiple time with the collector and with the credit agencies but each time the debt collector reaffirms that this is my debt. I have never lived anywhere near XXXX Idaho, where the original creditor says the account was opened. I asked for proof of identification that was used to satisfy opening the original account and no one can provide me with any of those details. This is not my debt and it is damaging my credit as it is the only negative item I have.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (I do not know) with Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is auctioning my house XXXX XXXX, 2015. I never received court notice of them trying to do this, I was lead to believe that they were trying to help me save my home. All of the modification paper work that they have sent me, I have faxed and mailed back, each time I finally get them to answer they tell me, I have a page or XXXX missing, so I resend the page they say is missing only to be told a different page is missing. I have even resent the whole packet of paperwork. They are also saying I owe {$30000.00} on a loan that was refinanced through them 14years ago. that was originally XXXX. I recently submitted the modification paperwork again, and have been leaving messages and have not received a call back as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I view my credit reports Transunion that reporting that from collection creditor ( XXXX ) account number XXXX.Adress XXXX.I contacted with XXXX collection department .I spoked with supervisor employee name XXXX and his contact number are XXXX.He verified account are not under my SSN or address and is not my account and I also talked to Transunion they cant not do anything but disputed, and i already did as XXXX/XXXX/2016 and file number XXXX and contacted with supervisor transunion XXXX from consumer contact dept.

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 06-02-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced Recovery Corp  is unable to collect in Texas.   Sectio n 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection i n 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.     ERC opened a collections account on  XXXX / XXXX / 2017 .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (FL).
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: Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My lender will not cancel PMI even though my home my has gone up significantly in value which as a result brought my loan to value ratio down to 60-70 % ; far below the 78-80 % minimum requirement. They state that is based on the loan amount not the fair market value which again is much more than I purchased it for.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Sallie Mae will not release any of my loan information to me, I have callled numerous times requesting to speak with someone and to have my loan information sent to me. No one from there office is compliant I keep getting connected to a XXXX and XXXX who states it is n't his job to resend my information. I have also told and sent them information about my bankruptcy And still nothing is being done.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Capital One N.A . -Alleged Creditor actually a misconduct debt collector who violated Federal Consumer Laws FDCPA. 
My house was stolen by a well-orchestrated group of people from a BK Judge XXXX XXXX to debt collectors - collecting not on a real estate loan but an unsecured debt. The debt collector XXXX XXXX XXXX dba XXXX XXXX, Captial One N.A., XXXX XXXX owner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX servicer of XXXX. 
Please refer to my letter for the illegal seizure of my home - all debt collectors violating FDCPA to seize my home and equity. I was eligible for Quiet Title and was continually bullied and endured Legal Abuse Syndrome. I am handicapped already ; I receive SSI. These people took advantage of my condition.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently I pulled my credit report for annually check, it appears my information was used to obtain XXXX credit card without my consent. 
Therefore, reporting any invalidated information to major credit bureaus may constitute defamation of character. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.

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 06/30/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: It is a known fact that Asset Acceptance dba Midland Credit Management employees robo-signed affidavits claiming personal knowledge that consumers owed debts, despite having no such knowledge of the facts asserted. Court documents have shown Asset Acceptance dba Midland Credit Management employees signed between XXXX and XXXX computer-generated affidavits per day for use in debt-collection actions, without personal knowledge of the accounts, in violation of the FDCPA. 

To date, Asset Acceptance dba Midland Credit Management has a proven poor track record in regards to its collection tactics which have resulted in large fines from the United States Government and as well as from individual states. 

As of this year Asset Acceptance dba Midland Credit Management has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business practices, falsified data on debt information court documents and lawsuit court actions which violates Consumer Rights. 

Asset Acceptance dba Midland Credit Management illegal unlawful business practices, falsified data on debt information and lawsuit court actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks to include myself which resulted in a Judgment against me that included falsified identification documentation in the court documents. In XXXX 2015, I contacted Asset Acceptance dba Midland Credit Management in writing requesting a settlement of the debt and as of XXXX XXXX, 2015, there has been no response and Asset Acceptance dba Midland Credit Management has gone silent, not responding to faxed information as per their request at ( XXXX ) XXXX, Attention : XXXX. 

I am requesting assistance with pushing for removal of Asset Acceptance dba Midland Credit Management on my credit file to include any court judgment against me as they contained falsified identification documentation in the documents submitted to the court from my file so that I can restore my credit and good name. 

I thank you for your time and I look forward to your response regarding my request to have the falsified court judgment submitted by Asset Acceptance dba Midland Credit Management removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING JEWELERS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have two addresses that I have never resided at. There are old accounts still showing that should have dropped off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (OR).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX after a HAMP program modification XXXX XXXX sold my loan to SLS. XX/XX/XXXX I received my first statement from SLS stating to pay {$210.00} on XX/XX/XXXX as it indicated there had been {$1300.00} already applied toward the XX/XX/XXXX payment. I telephoned SLS as asked where the {$1300.00} came from and was informed it came over from my former lender with the escrow balance. I paid the {$210.00} as requested. XX/XX/XXXX I received a delinquent statement for the full payment amount. I telephoned SLS and inquired what happened. I was informed somebody moved the {$1300.00} to my balance and so the representative was moving it back to apply toward my XX/XX/XXXX payment. Two days later I telephoned to see if the transfer was successful and was told the {$1300.00} had disappeared. I have gone to their " executive dept '' several times and all I get was " oh there was an error ''. Recently I received a letter from SLS stating they sent the {$1300.00} back to XXXX. XXXX says they never received it. I have been past due for over one year and XX/XX/XXXX I received 4 notices of intent to foreclose. A SLS representative told me not to worry about it but there has been no notice received that SLS is not proceeding with foreclosure. I spent over one year trying to get a straight answer out of SLS about the {$1300.00} and still they have not verified they returned the money to XXXX. XXXX says they would mail me a check if they had received funds from SLS. XXXX wants a check number to track the payment on their end. Further, the {$1300.00} to the penny is showing on my XX/XX/XXXX XXXX statement as unapplied funds. So this whole " error '' thing just does n't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have gotten back on my feet from a 3 month medical injury. I have faithfully made payments on my Wells Fargo Credit card throughout this time. Unfortunately, because I was unable to work I had to use my credit card from Wells Fargo for other expenses. Now my payments have gone up to XXXX a month which is okay, but last month I could only afford to make a XXXX payment. They are charging me this month XXXX. This XXXX is : XXXX I was remiss last month plus the XXXX I owe and a XXXX late fee. This is ridiculous because they are charging me double interest as a late fee. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2016 I was billed XXXX in error. I disputed the charge with Capital One. Capital One initially credit me back and said they would investigate. One XX/XX/2016 Capital One re-billed me the charge they initially credited. XX/XX/2016 I started receiving harassing calls to pay a for all the finance charges and late fees that they tacked on because of re-bill. I contacted Capital One and I was told that they did not investigate the dispute that was originally filed. I was told they would credit my account back for the late fees. finance charges, and accrued since the initial disputed that had been filed in XX/XX/XXXX. The there was a total of {$170.00} that was suppose to be credited back to my account because of their error and failure to dispute. In return, Capital One closed my credit card, falsely reported inaccurate information to XXXX, XXXX, XXXX in regards to my account being past due, charged off and delinquent. They violated my consumer rights under the FCRA. They also took my {$200.00} deposit that was used to secure the card since it was a secured credit card. They refuse to return it or either credit the deposit towards another card. They have failed to provide adequate resolution that has been detrimental to my credit and have defamed my person as to report false information to the credit bureaus. They have called and repeatedly threatened illegal legal action against me. I am wanting adequate response and resolution as this has been an issue since XX/XX/2016 that has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been XXXX since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained

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