milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/30/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with OPTIMUM OUTCOMES, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Upon review of my XXXX Credit report I noticed company name : Optimum Outcomes has reported a collection account under my name. I do not have any binding agreement with Optimum Outcomes and was not aware or notified of this item being reported under a collection status. This account is showing in a closed status with a balance of XXXX in a paid status. Please explain why this company is reporting this account as collection. 
Please attach copies of : Please have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to the XXXX incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I made a settlement arrangement with Midland on an old XXXX account. They agreed to accept a settlement of 40 % which I paid to them. They did not remove the balance on this account. 

This is false representation

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX Shoals BLF XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased an item using my XXXX XXXX Credit Card. The item was incorrect so I contacted the merchant who told me to send the item back and they would give me a refund. I sent the item back and never received the refund. 
I called XXXX XXXX to report a transaction and merchant. I shipped the item back and charged the return to my XXXX XXXX card so they could have adequate information and proof that I returned the item. XXXX said no problem they will place a claim and make sure that I do n't accrue interest on the item. 
XXXX asked that I fax them proof of the correspondence between the merchant and I plus proof of the return such as return label and tracking information all of which was sent to XXXX. XXXX asked that I wait 30 days while they complete their investigation. I waited 30 days and then I called them they told me do n't worry they are still waiting on the response from the merchant. I waited as instructed by XXXX customer service but I heard nothing from them. They were too busy sending my account to XXXX with no concern about my claim. 
On XXXX XXXX, 2016 I called XXXX again they said they cant help me any longer and that I must call XXXX because their partnership with XXXX has ended and XXXX should have all my detail. 
I called XXXX bank they said a charge for {$380.00} took place on XXXX XXXX, 2016. That same day a claim against those charges appeared and a credit was posted. Yet again that very same day the credit was removed and te charge was applied. XXXX said that the claim must have been resolved that 's why the added the charge back to my account. I told XXXX that the statement does n't make any sense. XXXX claims that the dispute was never resolved and that they must place a new claim. My problem is that XXXX knew that my TrueEarnings ( R ) Card from XXXX and XXXX XXXX would be replaced with a credit card from XXXX and would not be an XXXX XXXX XXXX Card anymore. I believe based on the notes that XXXX read to me that XXXX did n't care about my claim and did n't care to inform me that they placed the charge back to my account which accrued interest because it would not be their problem any more. I upset because XXXX had ample time to get the job done and keep me up to date with results but they willingly choose not to. When I called XXXX they told me that I must place a new claim and that they would take care of me. The customer service agent from XXXX told me it will take 24 hours and a agent would call me back but I have yet to receive a call from XXXX regarding my account. XXXX and XXXX need to get their things together and keep me up to date about my 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 monetary relief
Consumer complaint received 03/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off my auto loan XX/XX/2016 before that time like the rest of America I went through some finanacal hardship and the car was reposed but I paid that balance and was in dispute with XXXX about administrative fee 's in the amount of {$350.00} that was added on after I paid everything they had put in writing. because of this every month when I made my car payment XXXX reported me as being late. I printed documents and uploaded them to Trans Union and the XXXX other credit agencies. they acknowledge the inaccracies but the are reporting the paid in full loan as a bad debt.

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 09/17/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a Home Mortgage with XXXX XXXX XXXX and became delinquent due to loss of income and my divorce. I was working with XXXX XXXX XXXX until my loan was transferred and they refused to continue the conversations and referred my to the new Servicer, Carrington Loans. They gave my numbers to contact Carrington XXXX. I have attempted many times and Carrington says they do not have my loan. I have not received a. loan transfer letter or anything in writing to advise me of my new loan # or their contact information and when I call Carrington Mortgage they say they do not have my loan. I am now in foreclosure with a sale date. I have not had appropriate communication from Carrington nor been offered HAMP or other options to allow me to explore those options. Last call made XXXX/XXXX/2015 at XXXX XXXX ( EST ) and they again stated they could not find my loan and then transferred my to their loan resolution department where I was disconnected. This is one of many times since I received foreclosure notification that I have attempted to contact Carrington and always wait and wait and get disconnected. I DO NOT HAVE NOR HAVE EVER RECEIVED MY CARRIINGTON LOAN # and they continually refer name back to XXXX XXXX XXXX who states they service transferred the loan in 2013.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has reported negative information on my credit report that is not mine. I do not owe XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ID).
Issue: Problem with fraud alerts or security freezes

Complaint: Back in XXXX of XXXX, when the XXXX breach hit the nation, Equifax offered a year of free monitoring. I signed up for this offer. On Saturday, XXXX XXXX, XXXX I purchased a new vehicle. Later that evening, I was informed by the dealership that they could not process my loan due to a freeze that Equifax has on my credit. I logged into the TurstedID/Equifax website, and found step-by-step instructions to lift a freeze. Upon submitting my request, I received a notification that it would take 24-48 hours to lift. Monday, XXXX XXXX, the dealership contacted me again and said the freeze was still in place.I logged into their site, and there was a notice that said the request failed, and to contact Customer support XXXX. I called the number and they informed me that they could not lift the freeze and gave me a number to XXXX ID, who could. I called TrustedID, and they said they could n't lift it, and sent me back to Equifax. Between Monday XXXX and Tuesday XXXX, I spoke to 6 different representatives between TrustedID and Equifax. No one knowing why this freeze was unable to lift. Finally, late Tuesday XXXX XXXX, I spoke to an XXXX ( XXXX # XXXX ) at TrustedID XXXX he said he got all the way to the end of deactivating my freeze, and said it would n't go through. Told me to contact the XXXX Department of Equifax. I called them XXXX XXXX XXXX and they informed me they could not do anything to fix it, and submitted a ticket to escalate my issue. They informed me the process will take 7-10 business days. As of today, XXXX XXXX, my credit is still locked with no updates and the dealership still can not process my loan with this lock in place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX  this is my previous complaint and i received a response however it does not seem correct still. my question is do you verify what they are responding. per there response my balance is going down. really by balance is  XXXX  when it started it was  XXXX  they stated something about fees and interest. after each payment they still say unpaid interest. i am always behind on interest why? i never miss a payment. and i never had any lapse in payment. no deferrements. Is someone watching them? is someone looking over my payment history with interest and fees. was my account really researched?, I need help and i need a partial party to verify this. can i get help..   and on a side note in there response they through by brother in. i have explained to them by brother has had a  XXXX   XXXX  a  XXXX  and is   XXXX   XXXX  . my elderly parents care for him. they do not care!!! they continue to pursue him. by brother did not finish school and as i told them on several occasions i signed for  XXXX  student loan. only  XXXX  the second one was signed by the school loa n officer w ithout my knowledge. because i was told on my original appointment. i was assured that i only had to sign for  XXXX  and that my brother would be able to get any other loans with then on his own

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am with Nationstar mortgage and with in the last year my mortgage payment has changed and XXXX. Every time I have called I have been put on hold for over an hour and I have been given a different excuses. I have yet to understand why my escrow has never been correct or why my rate has been XXXX. I am always on time with my mortgage and have always paid extra but now it is to the point I do n't know what my monthly payment is each month.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Fell behind in mortgage payments due to extended period of unemployment, and theft of personal assets. /worked with ERA Mortgage and was approved for a loan modification. We declined it because it was too expensive. We reapplied, met all deadlines with time to spare, I checked with them two times by phone, spoke with at least XXXX different case managers who advised all information was received and they would process the paper work accordingly. Then a two or more week black-out period happened during which time we ( my wife ) repeatedly called them. Finally, after the deadline, they called me last Friday about supper time saying this was a courtesy phone call to advise us we had failed to provide the required information and therefore our request could n't be considered and the house would go for sale at the sheriffs sale Thursday XXXX/XXXX/16. Whether the mortgage company is full of bunk, doing this on purpose or if they 're sincerely in error ; they are in the wrong and this is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX, a collection agency, reported today that I have a balance to XXXX XXXX of {$160.00} and {$80.00} through Transunion and XXXX, respectively. They reported identical information XXXX to Transunion, resulting to a total balance of {$160.00}. I do n't know how they made the report to XXXX. I do n't have access to XXXX considering they are not included in XXXX XXXX reports. 
The actual balance was {$1000.00} but the way they reported it was misleading. They claimed that there was a high balance of {$920.00} and an open balance of {$80.00}. The truth of the matter is that, the account had been paid in full since XXXX XXXX, 2015 with a XXXX time payment of {$1000.00}. The said agency became fully aware of such payment when they requested copies the attached proof of payment, in which my husband faxed to them on XXXX XXXX, 2015 at XXXX XXXX. To make things worst, they also reported the same report on my husband 's credit report despite the account being under my name alone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Bank account or service ((CD) Certificate of deposit) with HUNTINGTON NATIONAL BANK, THE (OK).
Issue: Account opening, closing, or management

Complaint: I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (   XXXX   ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given  XXXX  the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by   XXXX   or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to 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 non-monetary relief