milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased a home in XXXX was given a subprime loan ( I was not informed that it was a sub prime loan. ) The builder representative introduced us to the lender broker ( targeted ). In late XXXX the original lender went out of business and as a subsidiary of XXXX XXXX it became part of XXXX XXXX XXXX during the merger. 
In XXXX Bank of a XXXX began foreclosure action. I continued paying monthly payment while trying to dispute the foreclosure activity ( the balances on the paperwork were incorrect and did not match my payments XXXX. In XXXX of XXXX, XXXX XXXX XXXX refused to accept any more payments from us. However, XXXX XXXX XXXX suggested we request a modification. I was in the the modification process from XXXX to XXXX and never given a modification. During this time my husband sought to file bankruptcy in XXXX. While is the bankruptcy attorney 's office, the foreclosing attorney 's office was called on speaker phone in our presence. The clerk stated that there would not be a foreclosure because there was missing paperwork. In XXXX XXXX XXXX XXXX sold the loan to XXXX and I attempted to request a modification and XXXX would not allow me to apply. 
In XXXX XXXX, I contacted TN XXXX office hoping to get some help. I provided basic modification paperwork to the assistant attorney general, and he contacted the bank. I also informed him that my pending foreclosure was not properly documented and my cases resembles the cases presented National Mortgage Settlement, he stated since my home did not foreclose it was not member to the settlement. I did not get a modifcation with XXXX and they moved forward with foreclosure. The prevent the foreclosure I submit a legal action in XXXX XXXX XXXX XXXX ) which was dismissed due to I did not present a claim or relief properly. The merits of my cases were not reviewed. However I did learn of a fraudulent assignment on my note were there are XXXX different dates, robo-signed, and the perjury line is crossed out by the notary. 
Currently, I am in appeal of a XXXX, which the issuers do not have standing due to the fraudulent assignment. I am concerned that the issue of the fraudulent assignment and not mention the missing assignments will not be heard in court. The bank attorneys are doing everything in their power to overlook the bank failures. As a consumer, I have found little to no assistance with my case. In other states such as MA and MI the XXXX leaders have be much more proactive. 
The principle, the broken chain of title is illegal and must be addressed. The banks have been allowed to perform injustices to consumers and as a consumer I have been placed at the mercy of the bank to do the right thing. As a consumer I have not been given any recourse to correct or resolve the injustices performed by the banks with regard to my mortgage.

Company response to consumer: Closed
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Adler Wallach & Associates, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: AWA collections has not attempted to contact me and the ONLY way I found out that something had been sent to them was by my credit report. I have contacted them to get paperwork verifying the charges since I never received anything from the hospital before being sent to collection. They told me to mail in request for documentation but the first rep (   XXXX  /2017 ) did not provide any information. My insurance company then called and the collection agency verified information with them and provided information to them but not to me. The  2nd  rep hung up on me repeatedly even after me asking for the information. The 2nd rep  XXXX   XXXX  ID  XXXX  (  XXXX / XXXX /   17  ) was also condescending when I asked what the charges and dates were for since I have still yet to receive anything from this company. I also questioned if they offered a discount if I paid in full today, I was immediately told no and that they do not have to work with me because I did not pay my bill, would have had I known about it! Every time I have talked with this company they do nothing but talk to you like your stupid for not paying your bill. Everyone at some point or another has had a bill go to collection. It sure does not help when they will not work with you to get this issue taken care of. This issue is still not resolved since you can not get any where when talking to them because they talk down to you every single time you call. I was told today (  XXXX / XXXX / 17  ) that a letter was sent to  XXXX   XXXX   XXXX   XXXX   XXXX  which does not exist and the hospital has the correct information I was there  4 w eeks! No date of when the letter was sent was provided to me. I pray that no one has to work with this company they are horrific and not helpful at all!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Called XXXX to dispute a hard inquiry on my credit file. I was informed by rep that they do n't delete inquiries without something from creditor listed authorization and I needed to contact creditor. I contacted 1st National Bank of Omaha on XXXX/XXXX/XXXX. Spoke with XXXX who explained that I could n't call and request anything to send to XXXX regarding this matter. He stated XXXX would have to contact them and request or demand positive proof from creditor rather I have an account or inquired about XXXX. And that there is nothing they have to acknowledge that there is such an account

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 08/28/2017 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: Account status incorrect

Complaint: This debt/late has appeared on my credit report. The loan was paid in full some time ago and was never late. I have never received any communication regarding this debt. My social security has been used with XXXX XXXX XXXX. Please understand that this late charge needs to be removed from my XXXX, XXXX and Experian reports. Reporting 30 days late with XXXX XXXX XXXX. That is the fair and honest solution.

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 06/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Subservice XXXX Nationsart Mortgage LLC On XXXX XXXX, 2011 I sent QRW and the information I requested in the letter are proprietary information exceed the scoop information under XXXX. I have the letter here form XXXX XXXX XXXX. 
Email XXXXXXXXXXXX I have been paying PMI on this loan for 10 years and N/S will not tell me any information. At the end of the year and every month I see where they take the payment out but other I do n't not statements. N/S say I making payment to a company that has been out of business for years RMIC. 
N/S inadvertently would not disclosed and release any information too me about loan and did so intentionally. to charge fees and interested that I would not be aware of. It was not until I contacted H.O.P.E for a modification anyone started offing me help. I had to mail N/S everything I mailed HOPE two and three times over and over. But if they have continued to honor XXXX Modification the XXXX modification I would not have need this set me back over XXXX and 120 Day late on my credit report. 
I feel N/S needs to be investigated for Modification Abuse The incentive payment from the Federal government HAMP were used for profit and big business.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Previously requested lower monthly payments but have been unsucccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Consumer Loan (Installment loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Managing the loan or lease

Complaint: I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have a home mortgage with XXXX XXXX XXXX, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX 2017. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around 500 . All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.

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 06/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Approximately XX/XX/XXXX - XX/XX/XXXX, I had left XXXX as a customer. I had contacted them and on a recorded line, their people agreed to a payment plan where I would pay $ XXXX- {$80.00} a month on the amount of my cancellation fee and the remainder owed. I proceeded to make the first payment that was agreed upon of {$50.00}. <P/>The following month, I went to make another payment of the agreed upon amount, I checked my mail and found they had sent me to collections via Diversified Consultants, for the amount of {$230.00}. Upon contacting XXXX to ask about what had occurred to nullify the agreement that was made ( and after being hung up on multiple times ), they had said that I would not have been sent to collections if I had paying what was owed ( even though I was told we had an agreement to a payment plan. ) Upon calling Diversified Consultants to try to remedy the debt, I offered 65 % the sum of that was owed. They refused to accept it. Upon asking if they were refusing to accept any payment on a recorded line, they said yes. <P/>XXXX then continued to send notices of the debt via other collection agencies and contacting my family to where I had to tell them to cease and desist contact to my family. I disputed the validity of all the notices of the debt when I received them, As well I was still receiving email statements from XXXX asking me to pay that amount to them. <P/>In XX/XX/XXXX, I had received another collections notice. Upon dispute of the collections notice, I received correspondence from XXXX about disputing the debt that was owed. Upon filling out and sending the information they requested via mail, I received no further notices about the debt. <P/>Approximately XX/XX/XXXX, I went to review my credit information, and found that Diversified Consultants had reported on the XXXX XXXX XXXX XXXX, the sum of {$230.00} as being delinquent. <P/>Written proof available upon request. Due to account numbers on statements.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit card () with DISCOVER BANK (MN).
Issue: Privacy

Complaint: Discover is causing me to request a code via email or text EVERY TIME I want to log into my account. I believe it is because they want to make it harder for me to log into my account and pay my balance so they can gain more fees and charges off from me. I have asked for an update on any fix to this and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Debt collection (I do not know) with NCC Business Services, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: Have tried to freeze credit with both Equifax and XXXX. Both are unable to do it online. Congress needs to hold them accountable and make credit freezes easy and transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am getting multiple calls a day from this number along with XXXX. No message ever left. Calls have been been received for the past three weeks. Called # 's back and receive a voicemail that I have reached " Diversified Consultants ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE, INC. (KS).
Issue: Loan modification,collection,foreclosure

Complaint: We have been challenged with medical expenses compounded by tax obligations tied to a previous complaint with XXXX. I am writing to ask for the CFPB to review the policy for loss mitigation practices for Cornerstone Mortgage. I applied in early XXXX 2015 asking for consideration on a 6-12 month modification. They acknowledged receiving and asked for additional information. They state that they do not consider the options until deemed facially complete. My application was denied as we are not passed due therefore not at risk, the purpose in my applying was to avoid that situation and the potential increase in borrowing based on their reporting to the Credit Bureaus. To compound the stress with the situation Cornerstone continues to have their telemarketers call asking when I will make my payment even though a late fee is assessed for being outside the XXXX grace period. The mortgage is not past due until the XXXX of the month. I believe the language should be reviewed on loss mitigation for the consumer to understand you will not have any option until you are past due. In addition Cornerstone should not be advocating applying for a loss mitigation package and the ensuing documentation required if the consumer will not even be considered. To apply for the loss mitigation and continue to receive calls even though I am not past due is some form of harassment in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Deposits and withdrawals

Complaint: Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The following delinquencies was reported which decreased my XXXX score. This debt was ordered to be the sole responsibility of my Ex husband by a court majesty. However, I am constantly receiving calls and it continues to be entered against 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 01/15/2018 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Wells Fargo is creating false statements and including them on formal documents. They sent me an escrow analysis, which is a formal legal document, during the 1st week of XX/XX/XXXX and on the document they wrote that I had a XXXX overage but that they would not send it to me because I was delinquent. 
That statement that I was delinquent was a false statement and by putting it in the document Wells Fargo is making it an official record. The Facts are my payments are not delinquent, and have not been. Here are the dates that Wells Fargo has cashed my monthly ACH transfers. 
XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00} XXXX {$850.00}XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} fee added XXXX ( XXXX )XX/XX/XXXX {$850.00}XX/XX/XXXX {$850.00} This Loan is a VA Loan and the VA has made it very clear to Wells Fargo that my payments are not late until after the XXXX of each month. Yet I am receiving many harassing calls from Wells Fargo. They call over and over again and then when I dont answer they dont leave any message. In addition, Wells Fargo monthy statement they send me each month clearly says that if I should send payment after the XXXX to add a late fee. So then Wells is completely aware that late is after the XXXX of the month as has been explained to Wells by the Veterans Administration. Wells has also been warned they can not write any addition to the loan agreement that does not align with VA guidelines. Yet each month they harass me and create these false documents. 

Over the past 2 years I have complained that Wells was over charging me on their escrow analysis which they deny, yet 4 times over the past 2 years they have had to send me back overages, and twice they have had to repay to escrow money they have move to other areas. This type of falsification is indicative of the corrupt experience I have from Wells Fargo. 

Moreover, Wells is now saying they are raising the monthly amount to XXXX, an increase of {$1.00}. One week later I receive an overage check for {$17.00}. The logic here escapes me. 

First they falsely claim delinquency, then they say there is not enough in escrow to support a {$1.00} increase, then they send an overage check worth more than a year worth of the increase. This is highly unprofessional and suspect. 

Lastly the normal procedure is that if there is a shortage, the mortgagee usually has the option of sending in that shortage amount to maintain the rate. Wells in their XXXX did not include any option to send in pay. In fact they took money out of escrow claiming excess then claimed insufficient funds available to maintain escrow.

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 12-09-2015 about Consumer Loan (Installment loan) with GreenSky Trade Credit, LLC (IN).
Issue: Managing the loan or lease

Complaint: GreenSky Credit has mismanaged a line of credit that we applied for but never used. GreenSky processed a fraudulent/unauthorized transaction from a merchant and did not even follow their own procedure for an authorized transaction and is now trying to make us responsible for the full transaction ( {$18000.00} ). Over the course of 60 days we have made numerous request in writing and by phone to have this unauthorized charge remove. Their position seems to be that a self-serving document from the merchant is what they are acting on even though we never authorized any transaction by any means at any time and they can not produce any evidence that we ever wanted this transaction. My wife and I have tried patiently over many months to work with them but they are refusing to charge back to the merchant and properly zero out our account and close it permanently as requested numinous times. We have extensive documentation to support our position and to refute any rational they may offer. 

Please help us. 

Sincerely Yours,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (AR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A FRAUD INFORMATION APPEARS ON MY BACKGROUND CHECK AND A DIFFERENT NAME AND ITS KEEPING ME FROM GETTING JOBS AND APARTMENTS.

Company response to consumer: Closed with explanation