milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: My previous CFBP complaint was closed prematurely even after I informed CFBP that the response that Nationstar submitted was not sufficient and that they submitted fraudulent document ( s ) to CFPB in an attempt to prove their response was correct. ( See attached CFBP case number ) I provided the proof then and I now have additional information. I have continued to investigate, I am continuing to uncover more evidence which proves that Nationstar fraudulently submitted documents to CFPB and XXXX XXXX XXXX XXXX that resulted in a foreclosure decision in which Nationstar and XXXX  XXXX XXXX were able to still my home. ( See Attached assignments ) As of XXXX XXXX, I am now homeless and I need to continue to have this issue investigated and resolve. Attached are fraudulent assignments from original " lender '' which the entity was no longer in business when Nationstar documents were created. In addition, XXXX XXXX XXXX Mortgage did not assign the note to MERS or any trustee as shown in paragraph 24 of the deed of trust ( See attached ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Berlin-Wheeler, Inc. (Kansas) (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from BERLINWHR-KS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against BERLINWHR-KS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not mine idtheft victim

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 06/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC is ambiguous with their use of my money and can not justify how they are using/applying my payments. In addition to making my regular, monthly payments on my house mortgage, i also send additional payments to be applied to my principal account only. Every month, I send a principal ONLY payment and i call them, it reflects on my online account for one day and then the next day, the company reverses the principal payment in order to charge interest on the payment. Also, when i call customer service, they become aggravated with my inquiries and are unable to explain/decipher my payment history on their ledgers. Ocwen is committing fraud against their customers/consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added

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 01/20/2018 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I went to the emergency room at the end of 2012. I was told my insurance covered my visit 100 percent. A couple years later I checked my credit report and this company reported a debt in collections on my report. Ive disputed several times with no response back.

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 08/14/2017 about Debt collection (Credit card debt) with AAS Debt Recovery Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$140.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested full validation of debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. According to 623 ( a ) ( 7 ) section of the Fair Credit Reporting Act consumer are required to receive a letter from the Furnisher for negative information being placed on their credit report within 30 days. I did not received any letter. I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Delinquent account

Complaint: In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest, I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do, what my options are and received no answers regarding the decrease in my loan. Now they refuse to talk to me period and I will have to continue paying them or risk credit issues? I am sick to my stomach and have no idea where to go from here. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: FAILURE TO EXECUTE CONTRACT AS WRITTEN DOUBLE DIPPING & FRAUDLENT RECORD KEEPING 1. The executed loan modification agreement specifically states on page XXXX ( Please see Exhibits XXXX & XXXX ) that {$170000.00} of the loan amount is eligible for forgiveness, and that the lender shall reduce the {$170000.00} ( deferred principal reduction amount ) by one third on each of the first, second and third anniversaries of XX/XX/XXXX provided that I am not in default. And, I am not in default. 
2. OCWEN failed to apply the reduction on XXXX/XXXX/XXXX per agreement. ( Please see Exhibit XXXX ). 
3. OCWEN again failed to apply the reduction on the statement for XXXX/XXXX/XXXX. ( Please see Exhibit XXXX ). 
4. The Deferred Principal Balance is scheduled to XXXX OUT on XXXX/XXXX/XXXX, but OCWEN 's XXXX XXXX statement still shows the deferred principal balance in the full amount of {$170000.00} ( Exhibit XXXX ). 
5. A XXXX was issued to me for XXXX tax year in the amount of {$170000.00} and a loss was not doubt claimed by the lender even as the lender stands to demand another {$170000.00} from me. 
6. This is DOUBLE DIPPING and it is illegal. 
7. All these show that OCWEN continues to violate its agreements with the regulatory agencies and attorney generals of states and continues to defraud its loan holders.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit card protection / Debt protection

Complaint: I 've had a Best Buy credit card for years and when ever I have a balance I get charged a " debt protection " fee I 've tried calling the phone number next to the charge that shows on the card and the tell me they are going to cancel but nothing has happened. I never signed up for that and Best Buy told me they ca n't do n't anything about that charge. Even though the credit card company Best Buy uses has changed and my card is different then what i had when I first opened the account how am I still being charged? And get no help? I wAnt it cancelled and possibly my money back because it 's not helping me pay off my balance

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 03-03-2016 about Debt collection (Medical) with Southern Oregon Credit Service, Inc. (OR).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Found an unresolved account on credit report. Called Southern Oregon Credit Services to resolve account in full. Receptionist asked for billing address and transferd call, collection representative began call with no information confirmation. I requested rep verify my personal info to make sure correct account info was being taken. Rep was short and unprofessional, asking me if " I was always this rude on the phone ''. I paid the debt in full, and requested receipt. I requested and email receipt and an email, both options the rep offered. Rep became upset stating I could have one receipt or the other, not both. The representative continued to speak in a demeaning and rude manner. I requested to speak to a supervisor. A supervisor came on the line and again, I was disregarded and treated rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10-11-2016 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Other

Complaint: Well, It all started in 2007 when I applied for a secure credit card with Wells Fargo Bank. I put down XXXX to open it the credit card. I did n't use the card that much, only to rent cars to go out of town. At the end of last year I found out that the secure credit card was no longer a secure credit card but a unsecured card card. I had called Wells Fargo Bank to check out my balance for my secured card and that was when the banker informed my that my card was unsecured. At that time I asked the teller where was the money I had put down to open the card and he said they had sent me the money {$1200.00} check in the mail. I told them I never received any check from them and he said that the check was returned to them because of incorrect address. I then asked them can they mail the check back to me with the correct address, but he said no because it was sent to the Nevada XXXX and I would have to contact them. 
I had contacted the Nevada XXXX but they said that nothing in their system show a check sent to them in my name. They looked through their system with my different names ( last ) and also with my social security number but NOTHING. I have called back and forth with Wells Fargo, I even went to a branch to try and get some answers but no luck, I 've also been dealing with Nevada XXXX with no luck. I am SO tired with Wells Fargo Bank giving me the run around. I need some answers or better yet my money that I am entitled to. PLEASE HELP!!!!!

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 04/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Settlement process and costs

Complaint: back in the RE-MODIFICATION days, i think  XXXX  or  XXXX  i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of  XXXX  by the time i received  my Re Mod the increa sed my principal by  XXXX  k to  XXXX  eventhough i was never paying principal and i have been pay extra interest these la st ten years  on that  XXXX   XXXX  my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at  XXXX . any advise would be greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with CITIBANK, N.A. (SC).
Issue: Customer service / Customer relations

Complaint: This is in regard to a XXXXBestBuy Credit Card handled by Citibank. My wife and I both have a XXXXBestBuy card. On XXXX of 2016 we mistakenly made a payment on HER account instead of MINE. This resulted in a 30 day late on my credit report. This would not ordinarily be a big issue but we were right in the middle of closing on a new house. I called them, explained the situation and they could clearly see we actually MADE the payment but to the wrong account. They adjusted the late fees and credited the correct account but my loan officer and underwriter needed a letter from them saying the payment was made to the wrong account or that the payment was n't really late. They absolutely would NOT give me a letter saying anything close to that. Every fax the sent me took either 3 hours or 72 hours because it had to go through the legal department. When they did finally promise to send a letter that would work, we had the seller, closing attorney, realestate agents and everybody waiting for them to send the letter. After 4 days of waiting, I called back and guess what? The letter does n't even exist so they never sent anything. 

I am a XXXX XXXX and have been buying from BestBuy for me and my family for years. It used to be my favorite store and I have spent thousands there but if they ca n't help a longtime customer not lose his dream house over a simple mistake then that tells me they do n't give a XXXX about us as people. They want us to spend our money and shut up and if they do something to ruin our lives they do n't care. My rental was spoken for when this happened and no I ca n't close on my house. We do n't have enough money to stay in a hotel for long so unless a miracle happens my wife, kids and me will be sleeping in our car all because BestBuy and CitiCard will not give me a simple XXXX letter!!!!!

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 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There is wrong information in Transunion 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 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a a unverified account from ERC # XXXX. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: Application, originator, mortgage broker

Complaint: We began a home mortgage application with USAA Federal Savings Bank on XXXX XXXX, 2015. We were speaking with XXXX XXXX ( NMLS ID XXXX ). After going through all of the information, we came to the point where we were going to lock in a rate. The rate she gave us was very good ( 3.625 % with 0.5 points ). There was another rate quoted with 3.875 % and 0.125 discount points, but we " LOCKED IN '' with the first rate. We even asked her if the rate was good because of our good credit. She said " yes. '' Two days later we got the written paper work, which had our correct interest rate, but now had 2.375 discount points! A cost difference of {$4800.00}! USAA says there is nothing they can do. The agent must have made a mistake. But, we feel they should honor the original rate or credit us {$4800.00}. Because of the rate we locked in, we did not shop around to other banks and we lost XXXX business days to do so. Meanwhile rates have increased. This is a bait and switch. It should be illegal. When I LOCK a rate, I should get the rate that I LOCKED. Not a different rate that I find out about 2 days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation