milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-06-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I submitted a modification package to Nationstar Mortgage. I was assigned to a single point of contact at Nationstar. On XX/XX/XXXX I was informed that Nationstar had received all the documents except for XXXX items which were the rental receipts for the rental property and the mortgage statement for my primary property. These items were sent to Nationstar on XX/XX/XXXX. On XX/XX/XXXX I was informed by Nationstar that they did not receive these documents and the file had been closed. The items were sent to Nationstar by email to XXXXXXXXXXXX and I received a verification email from them that it was received on that date. 

The documents were immediately sent back in and the case was reopened only to be told a week later that it had been denied because the investor who owns my loan does not do modifications for rental properties. Why did Nationstar Mortgage make me go through all the motions of sending in all my documents, asigned a single point of contact and have numerous conversations with me over that time if they were going to only end up denying the loan modification. 

The property is almost 200 % underwater with it only being worth {$520000.00} and I owe Nationstar over {$800000.00} for the property. The very fact that I still want to continue making payments to them when I will probably not have any equity in the home for years to come shows how committed I am to keeping the property and maintaining the payments. 

I was also told that investor is an anonymous entity that I can not even have the chance to appeal my case to and that is why I am turning to the Consumer Financial Protection Bureau to investigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Credit card debt) with Credit Card Receivables Fund Incorporated (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: the account was paid in full XXXX to collection agency. The account is still stating that it is past due/unpaid on my credit report. I called the collection agency about the situation and they are very rude and disrespectful to clients. I requested for a paid in full letter and a request to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/XXXX18 {$10.00} and then overdraft fees XXXX up {$110.00}

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: I was listed as one of the potentially impacted people on the Equifax credit breach.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Sold accounts from the original creditor still shown on the reports with duplicate purchased accounts from the new creditor. All accounts reporting late even though deferments were applied for and approved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: nissan motor accptance company continues to call my job and harrass me after i have spkoe to them several times and asked to not call my home or cell. they have continuesd to ignore my request and keep calling both my employer and cell.. now i have been written up and reprmanded for the personal calls. I feel i have been disrespected as well as the company i work for. I no longer wish to do business with NMAC any longer and want to be compensated for the stress the calls have created at my workplace

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with U.S. BANCORP (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been asking for several years for an explanation of how the balance of my loan is so high. Frankly, I have another loan I am paying on through XXXX and thought that that was the only loan. Then I got confused when a company called XXXX was asking for money. I do not remember having XXXX loans. The loan was for my daughter to go to what was originally XXXX XXXX XXXX, then it changed to XXXX University. This school is closed. I have never received a breakdown of the total costs. The XXXX loan was about $ XXXX and I have been making payments. The XXXX loan I am disputing as they are saying that the amount now due is over $ XXXX and I have been disputing this for a while now. I have sent letters and only received a note of the original amount which was $ XXXX. I have yet to see a detailed statement of how on earth it has doubled. This seems like loan sharking. And they are now contacting my workplace. If the note can be proven to be accurate, I will assume my debt and pay that balance off. But the fact that I can not even see what the loan was for originally PLUS how it has grown to this substantial and overwhelming balance is more than frustrating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Citizens Bank switched my mortgage loan to paperless when my wife asked for a personal checking account she held to go paperless. We are joint on the mortgage and she nor myself asked for that to be paperless. When I did n't get a bill they gave me a late mark with the credit bureau ( previously I had fantastic XXXX score ) I explained what happened numerous times, payed my bill immediately, they WILL NOT RETRACT THEIR NEGATIVE ON MY CREDIT AND I THINK THATS WRONG!!! I want that mark removed PERMANATELY!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed a dispute with the XXXX major credit bureaus regarding bankruptcy information listed on all XXXX credit reports. The bureaus do not include where the information is provided from. I have confirmed with the Texas Federal Court that this information is not supplied by them and thus can not be confirmed or verified with them. Information has not been provided by each bureau indicating where the information is derived from. I feel that this is not fair being that I can not directly dispute or verify the information being reported on my XXXX credit bureaus of XXXX, Transunion and 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 05/22/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: 1. Electronic Payments status is complete but the funds are not subtracted from the current balance creating an account out of balance condition. 
2. Some payments are completely removed from the account ( scheduled payments, completed payments and account details ) while in process resulting in an account out of balance condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: My Equifax is stating " Non Reporting '' status. I believe this is why my FICO score for Equifax is showing " not available ". I have paid for the service for credit monitoring but Equifax is not reporting I need this to be changed to reporting and I DEMAND PROOF THAT IT HAS BEEN DONE IN WRITING. I have filed a complaint with the Attorney General Office since Equifax keeps giving me the run around

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Mortgage (Other type of mortgage) with FIRST AMERICAN FINANCIAL CORPORATION (NY).
Issue: Closing on a mortgage

Complaint: In XXXX of XXXX me and my family went on vacation and stayed at XXXX XXXX  XXXX. We decided to take a promotional deal which was cheaper then regular price but had to sit in on a Timeshare orientation which was only supposed to be forty five minutes long and turned out to be about 3 hours long. while in this orientation we were told that it would be in our best interest to invest in one of the timeshares on the resort and how it would be a great financial investment for me and my family. The agent at the time was using very aggressive tactics to influence a decision to buy in. unfortunately we fell for the pitch and we were persuaded. We sat in a room and waited to sign documents for a Mortgage to purchase this Timeshare in the amount of XXXX. We were provided with an XXXX which had all of the legal documents which at times the print was very small and hard to make out. while i was trying to read through it i was assured that all was OK and that i had nothing to be concerned about. legal documents are long and confusing which i now understand are made to be that way for a person who 's not a lawyer, an really cant make the best decision. We were never told about a ten day clause which would 've allowed us enough time to get out of this contract before it was to late. We only read about that clause when we received our electronically signed documents through the mail almost two weeks later. We do n't want any money back, i just want to get out of this nightmare. I would n't want any hard working family to have to be in debt to this type of scheme. We later read that we would be paying for the maintenance fees well after the mortgage was paid off. We even found out that if me or my wife XXXX that our kids would be responsible for making the mortgage payments. that 's just not right. We are not a financially wealthy family and we can not afford to pay for this. Please help us find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, XXXX and TransUnion asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

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 09/17/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a couple medical debts listed which I do not owe. This information was confirmed with the actual collection agencies them self. The items still appear to be listed on my credit file and with balances. What happen to " Credit Bureaus offer relief to consumers with medical debt '' For example, existing medical debt defaults that finally get paid -- whether by the insurer or the patient -- will be deleted. 
The accounts in question areXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX and XXXX XXXX which is not a medical debt but a violation as I do not owe this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-02-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I submitted in several times a credit report disputed to Transunion and I do n't received a final answer of each accounts that are incorrect. The following students loan were reported twice. 
XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed XXXX XXXX XXXX, XXXX XXXX Missed Payments Closed The other account is from XXXX that appear XXXX missed payments. This account was pay in full and in the credit information is incorrect. 
The XXXX XXXX XXXX XXXX # XXXX is a secured account with a saving account. Is impossible that can be 30 days in delinquency. 
The XXXX XXXX XXXX XXXX # XXXX has an incorrect information that not was investigated properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2017 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 called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: They ( Planet Home Lending ) are constantly calling me, even after I just made a payment. Tonight X/X/17 they called me at XXXX XXXX Pacific time. They are harassing me, even though we have discussed options, and payments. I 'm tired of being treated like a child. I want this to stop. They are causing a great deal of unnecessary stress and discomfort in my life. I know I 'm behind on the payments, but I am continuing to make payments, and am currently working on a long term solution to my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Medical debt) with Firstsource Advantage, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$2000.00} On  XXXX / XXXX /  XXXX   Was Added To All  XXXX  Of My Credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I disputed XXXX erroneous accounts that were reporting on my credit file with Equifax. Instead of sending me the results of those XXXX accounts, they sent a long list in " reviewed inquiry information '' which I did not request to be reviewed. They have had over 45 days to answer the investigation and yet they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.

Company response to consumer: Closed