milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I received a Proposed Modification from Nationstar Mortgage, which I accepted via phone conversation with XXXX customer service representative, XXXX, which stated, 'If you successfully complete the Trial Period Plan by making the required payments, you will receive a modification with an interest rate of 2.750 % which will be fixed for 40 years from the date the modification is effective. ' The correspondence continued by stating, 'Step XXXX : To Accept This Offer, You must make your first trial period payment by the first payment due date designated below ' which I did. The correspondence continued stating, 'Once you have successfully made each of the payments above by their due dates, you have submitted the required signed copies of your modification agreement, and we have signed the modification agreement, your mortgage will be permanently modified in accordance with the terms of your modification agreement. ' I successfully made the XXXX trial payments and, with my attorney 's guidance, tried for months to formally execute finalization of the new mortgage without being able to contact Nationstar. Their recorded phone message cited bad weather in the XXXX area as a reason for being unable to answer the phone and I left voice messages to have them call me or my attorney which they never did. XX/XX/XXXX Nationstar sent me a mortgage modification with an interest rate of 4.50 % fixed for 40 years which we have, and are continuing, to contest as not the modification terms agreed to XX/XX/XXXX. XXXX additional documents received from Nationstar, dated XXXX and XXXX, have cited 2.750 % as the interest rate. Nationstar offered another modification at 4.25 % fixed for 40 years XX/XX/XXXX. I have continued to make my monthly payments since XX/XX/XXXX. It appears Nationstar feels they have the right to change, unilaterally, an agreement we entered into XX/XX/XXXX with impunity, even though I kept my end of the agreement. This is tantamount to moving the goalposts or changing the rules in the middle of the game when it suits them, and I feel is illegal. We are to have a court hearing XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX, 2015 Midland Funding LLC sued me in XXXX XXXX XXXX for an amount they alleged I owed on a XXXX credit card. On the afternoon of XXXX XXXX Midland 's attorney contacted my attorney and requested the continuance of a hearing that both parties agreed to. Despite their agreement to the continuance, on XXXX XXXX, 2015 Midland took a default judgment against me anyway in the XXXX 's court. On XXXX XXXX, 2015, through my attorney I entered into a signed Settlement Agreement with Midland to pay an amount we agreed upon for full and final settlement of their claim against me. On XXXX XXXX, 2015, following all instructions in the settlement agreement, I mailed the full payment agreed to, in the form of a money order, to Midland Funding via certified mail. The return receipt shows they received this payment on XXXX XXXX, 2015. Despite the fact that I paid the full amount Midland agreed to and despite the fact that they received this payment, with no other notice to me Midland took the default judgment against me and on XXXX XXXX, 2015 they recorded it in the XXXX XXXX court of my county. As of this writing ( XXXX XXXX, 2015 ) to the best of my knowledge and belief this account is still listed as unpaid and as being in collections on my credit reports. By recording a judgment in the XXXX Court after they were paid in full as agreed, and by continuing to attempt to collect an alleged debt after I had paid it in full per the signed agreement with them, I believe that Midland Funding LLC has violated the Fair Debt Collection Practices Act. Their unjust actions have caused further damage to my credit record, and they have caused embarrassment, damage to my reputation, and many other problems.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Payday loan debt) with NAM National Arbitration and Mediation (MN).
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: Na company left me a voicemail from phone number  XXXX  stating they were from the legal department at NA company and that they were going to have me arrested for check fraud. Then they called my parents and spoke to my father and shared information about why they were calling.

Company response to consumer: Untimely response
Consumer complaint received 03/22/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been disputing the following items for over 6 months with no response or proper verification as to their completeness in recording, verification methods, and accurateness. 


XXXX XXXX Investigate if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

U S DEPT OF ED/XXXX XXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately. 

U S DEPT OF ED/XXXX XXXX Please take into account this collections opening date and last activity because it does not match my records. Please remove immediately. 

U S DEPT OF ED/XXXX XXXX Please investigate this collections status, I do n't think it 's accurate. Please remove this collection for it 's inaccuracies. 

U S DEPT OF ED/XXXX XXXX I am requesting an investigation on the account responsibility. Can you take a look at the account number and company name. I do n't think it 's XXXX accurate, so please DELETE this collection from my credit report. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with Advanced Resolution Services Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share information to 3rd party agencies or data mining companies. This third-party credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.

Company response to consumer: Closed
Consumer complaint received 11/14/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: To whom It May Concern, I am writing in hopes of some assistance in a matter that has caused much stress and anguish in my life as of recently. About 3 months ago I began the process to refinance my current mortgage. My current mortgage servicer to be paid off is Ocwen.They have been an absolute nightmare to work with, which can be viewed by my previous complaints to the CFPB. 

Now I write in hopes the CFPB can help me with a similar issue. The reason that I was not able to refinance was that Ocwen lied to me. When my new lender attempted to payoff Ocwen to complete my refinance, they were notified by Ocwen that because I had a modification done, I had agreed to over {$40000.00} in what they called a Shared Appreciation. First Ocwen said they would waive the Shared Appreciation, then after sending us XXXX payoffs without the Shared Appreciation ( on XXXX/XXXX/2015 and XXXX/XXXX/2015 ), they decided they now will not waive the Shared Appreciation and leaving me with an unqualified mortgage based on the value of my home. That was a nightmare in itself spending hours on the phone with a call center in XXXX that really did n't comprehend how they could make such a colossal mistake and play with my emotions so dramatically. 

Aside form my refinance not going through, now I am absolutely shocked that I have a {$40000.00} Shared Appreciation amount that I owe Ocwen that I never agreed to when I modified my loan. The modification paperwork is extremely confusing and the person who was helping me said to just sign it, they did n't explain and because of the situation I was in, I simply signed. ( situation is recession hit, my income form my job was cut by XXXX %, I had to file for bankruptcy, and my wife was going through health issues ) Now years later that decision is haunting me. They forced me to sign some papers to avoid foreclosure but instead have put me in a horrible situation. Had I known that {$40000.00} was secretly owed by me, I would have not agreed to that modification. I wish for the CFPB to investigate the terms of my refinance as unfair and help me to get the Shared Appreciation waived by Ocwen. ( as they originally agreed to numerous times over the phone and on paper XXXX/XXXX/2015 and XXXX/XXXX/2015 only to change their mind after I wasted so much time, energy, and money into my refinance. ) Please CFPB consider investigating the tactics used tomato me agree to an unfavorable modification and help me to finish my refinance so I can move on with peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams using XXXX XXXXXXXX XXXX of XXXX XXXXXXXX Indiana of my birth certificate long form of XXXX XXXX XXXX and XXXX XXXX frauding scams using landdelopments in MO Missouri frauding my serial numbered documents attached to my national security clearance data of VA and military documents and also hospital data Frauding scams using Land development using other states documents

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 06-06-2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Struggling to pay mortgage

Complaint: I have supplied hundreds of documents all attached on several occasions to work out a payment plan, I have offered to pay the company {$2500.00} a month as a fair and reasonable monthly payment plan on my Mortgage, they will not modify, and will not refinance, they are just forcing a foreclosure, the house is underwater. My first mortgage interest rate is 6.5 %, my  Second  Mortgage interest rate is 8.5 %. If the rate was more of the  country wide sta ndard of approx. 4.75 % it would be more manageable. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me at a phone number that is not mine. And I do not know how They came to that phone number of its not registered under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I received a late fee that was supposed to be waived for XXXX and they added another late fee on top of the late fee that was supposed to be adjusted and now they are reporting late to the credit bureau. I also faxed a dispute form for the late fee to be reviewed and adjusted that they have not acknowledged. I 've attempted to talk to them and they refuse to assist and make harassing phone calls to the point I canceled the card. due to they refuse to assist. I 've always paid on time and Im still making payment for the monthly amount due.

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 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had identity theft from XX/XX/XXXX to present with my adopted name and changed it XXXX XXXX XXXX, I change my name, as far everything was working for the good, then in XXXX XXXX finding out that someone wanted to a get house loan or personal for XXXX loan. At XXXX XXXX I login in to XXXX account fount out someone had change my name back to my adopted name XXXX XXXX XXXX, I took all XXXX credit reports and found out there was discrepancy on all three credit bureau so I was directed to the Federal Trade commission with this problems, They help me in a big way, I only had problems with XXXX credit Bureau, Everything was taken off in the credit report, that was supposed to including XXXX account associated with my old name XXXX XXXX XXXX which are in good standing, the only XXXX associated with my new name with XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX

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 06-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NC).
Issue: Taking out the loan or lease

Complaint: I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX 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 05-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve 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 explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with EOS Holdings, Inc. (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I purchased some items on XXXX and used a new comenity account. I want o make payments electronically. When you go to the comenity sight they require your checking account information i.e. Routing number and account number. I will not for security reasons give that to anyone. I wanted to make a full balance payment using PayPal. I had already agreed to go paperless before I found this out. If I ca n't pay it electronically I wo n't pay it for safety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (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: In XXXX of XXXX I was notified of a " late payment '' on my American Airlines Barclays MasterCard. This card is typically a dormant card and has had XXXX to little use. The card had a {$12.00} Equifax charge which I disputed, then tried to pay online in XXXX, which then turned into a late payment in XXXX and accrued fees that I was not aware of due to their system not working for my payment. I tried to pay the account in full in mid XXXX but received multiple error messages on their website while making the payment. In early XXXX XXXX then paid again for the total amount due including bogus late fees and monthly service fees. In XXXX I spoke to a XXXX who stated they would remove all late fees and the reporting of Late Payment to the credit companies due to error. 

In XXXX or XXXX I checked my report again and the late payment was still there. I disputed with the credit bureaus and got a letter from the company stating their reporting was accurate. Even though their system did not work when I made payment and called several times to make arrangements. 

I 'm trying to get a mortgage right now, and this has lowered my score by XXXX points on two of the reports that have the late fee. I 'm at XXXX on XXXX and XXXX on the XXXX others, which disqualifies me from the mortgage for me and my family. XXXX all over {$12.00} in dispute ) This is truly unfair treatment as I have excellent credit otherwise and ca n't believe I 'm being disqualified on my new home over an item I thought I had cleared up. Please help me resolve this and get it off my report so me and my family can move into a home.

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