milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Settlement process and costs

Complaint: I had to have an insurance check endorsed by Nationstar. I talked with a number of people, was put on hold, hung up on, finally talked to XXXX, who said to make up for poor service, would expedite handling and overnight to endorsed check to me so I would receive it XX/XX/2017. The post office said it was delivered Tuesday, XX/XX/2017. I called XX/XX/2017 as I had not received the check ; XXXX of the Loss/Draft/Correspondence department told me it had just been entered into their system on XX/XX/2017. XXXX called me at the end of her shift to let me know it had been overnighted on XX/XX/2017 ; I would receive it Friday, XX/XX/2017. When I 'd not received it, I called again, eventually speaking with " XXXX '' while discussing the issues I 'd been having with " XXXX '' on XXXX. XXXX finally admitted he had NO control over any of the processes, but he would call me with the resolution. He had " XXXX '' call me at approximately XXXX EST XX/XX/2017 to tell me the endorsed check was at XXXX and overnighted for delivery on XX/XX/2017. I asked specifically if the check would be delivered on Saturday, and was told yes. After repeatedly being lied to about the status of this, I checked XXXX. The check was NOT at XXXX, it was pending pick-up. It was not sent Saturday delivery, estimated delivery is Monday, XX/XX/2017. I messenged XXXX, who states she 'll get back to me Saturday after she reviews the issue - again. I called XXXX - the office is closed until Monday. I am sick to death of the constant lies, disrespect, waste of my time, etc. I have spent over 6.5 hours this week trying to get an honest answer about this, and I still do n't have any idea of what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Mortgage (VA mortgage) with LENDER LIVE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was " proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances, my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have, including the bank statements, proof of payment, credit report, XXXX complaint and responses, and FTC complaint. Please let me know if there 's anything I can do at this point. Thank you for your time and attention.

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 09/28/2016 about Mortgage (Conventional fixed mortgage) with Lynx Asset Services, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been having problems with Lynx Asset Services for the past five years. They were doing dual tracking and did not apply NJ Homekeeper funds accordingly to our account. I am in bankruptcy now and foreclosure trying to stay in my home that I have been paying for since 1997.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I took out the loans with my co-signer from XXXX, what the terms of repayment would be, including but not limited to the interest rate, were very unclear. I went through college with the understanding that student loans were a great way to pay for college with fair and favorable repayment terms. Since then at several different points I have felt like a bait and switch. The terms include what seem to me to be an extremely high interest wait on XXXX of the XXXX loans which is at 9.75 %, which accrued annually while I was in school. Then I went back to school after paying on my loans for about 18 months, and they went into in school deferment, but at no time was it really made clear to me that the maximum they would allow would be 4 years. I am currently enrolled in a XXXX and now have to start making payments again. Due to the High interest rate and being in school the accrual amount of interest added to the unpaid principle balance has nearly doubled the amount I owe to pay off the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously contacted Transunion regarding this account they have never resolved the issue after being provided proof. This account was forwarded to a collection agency. XXXX XXXX states that I owe XXXX this account does not belong to 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 01-12-2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently reached out to Transunion via telephone, I informed the representative that I notice on my credit report that I have several inquiries that I didn't authorize. I explained to the representative that I believe the unauthorized inquiries may be a result of the inquiry issue Transunion experienced within 2017. The representative refused to assist me with having the misreported inquiries removed. I have reached out to the companies directly and reported the inquiries as fraud but they were not removed. Below is a list of the inquiries listed on my credit report that were unauthorized : XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) I would like your assistance with having these unauthorized inquiries removed. 

Thanks, 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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX ONCE AGAIN FAILED TO CORRECT ALL LATE PAYMENTS ON ALL CREDIT REPORTS. ALSO, WHEN I APPLIED FOR ACCOUNT CREDITOR PULLED A XXXX SCORE WITH ALL 4 AGENCIES. AND NOW IS FAILING TO REPORT TO 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 non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Inc. was hacked and my personal information, including my SSN, was compromised. I am open to social security and identity fraud. I now will have to actively monitor my credit report for decades now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I closed my account after only about a year in XXXX XXXX after having my credit limit lowered twice in the past several months ( I was declined for a medical payment I was making when I logged on and found out my credit limit was lowered ). In early XXXX I completed the autopay enrollment process to pay off my balance on this account with continued monthly installments. On XXXX I received a bill with a higher than normal minimum payment and when I logged on I see my pmt is past due. The company did not process my autopay for my XXXX pmt and hit me with a late fee. When I called I was told it would take a billing cycle for the auto pay to kick in and I should have received a disclaimer telling me this. It did not. I have a screen shot of my enrollment due to previous issues with this company 's online account features related to payments and bank accounts associated for payment. So now, for the at least the second time I have been charged fees due the company 's less than adequate online payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONRAD CREDIT CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Since XXXX Conrad Acceptance has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with Conrad to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to XXXX and XXXX XXXX XXXX in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to XXXX and XXXX XXXX XXXX notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to XXXX and XXXX XXXX XXXX disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I am writing you to lodge a formal complaint about 4 overdraft fees that were recently charged to my account. I am a dedicated online banker.  I love Bank of America’s to-the-minute online status updates.  It is just one of the many reasons I switched to BoA from XXXX.  Since joining BoA I have operated under the “as long as there is a positive amount in the account at the end of the day, you won’t get charged an overdraft fee” rule.  I was completely shocked to see four overdraft charges show up on a XX/XX/XXXX. What made the issue even worse is that on the next business day which was XX/XX/XXXX, I received a direct deposit.

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 07/23/2015 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (VA).
Issue: Shopping for a loan or lease

Complaint: I purchased a XXXX mustang from a used car dealership in XX/XX/XXXX. The car had some issues, so I traded it in a few months later for a XXXX mustang. The dealership stated we could do an even trade of the value of the new vehicle to be the same as what I owed on the old one. So I took out a loan on the new vehicle believing the dealership was going to pay off the old one. A few months passed, I had to go XXXX, and I eventually found out that the dealership went out of business, did n't declare bankruptcy, did n't list me as a payee, and basically left me high and dry with twice the amount of debt I was intended to have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (I do not know) with Fidelity National Information Services, Inc. (FNIS) (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This Cashier Check was stolen from the U.S. mail .., The company never got this payment so I stop the payment on it I stop payment on this cashier check and now this company that stolen the check from U.S mail are calling me and want the amount on the check paid to them., they are calling every day till I pay them WHAT THEY WANT {$70.00}. They tried to cash this check that never made it to the company I was paying the bill too?

They now say I own THEM DOUBLE {$140.00} this cashier check was lost in the mail and reported in XX/XX/XXXX!

I stop the payment They are trying to collect on this check in XX/XX/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 01/22/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a consolidation loan serviced by Great Lakes. My repayment plan was a tiered approach with three different repayment amounts. Throughout the life of the loans ( repayment began in XX/XX/2004 ), I have instructed Great Lakes to apply any overages from the loans to principle of the loan ( both on coupons and subsequently in various electronic communications submitted to them ). It has been my practice to submit approximately {$100.00} extra a month above each required payment ( I eventually switched to automatic withdrawals with this instruction ). Whenever I have inquired on this point regarding paying above the loan amount with a live person, I have been told that their policy is to apply overages to interest outstanding first, then principle. Additionally, I have received statements indicating my loan is " paid ahead '' by nearly {$9000.00}, in derogation of what I have told them repeatedly in written, spoken and electronic media. I believe, based on the statements on the CFPB website, the actions of the lender are in violation of student loan regs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Waiting for each agent to respone to my complaintXXXX experian XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar of Texas took over XXXX mortgage after XXXX. Initially Nationstar phone rep granted opt out for Escrow, then they later renigged. Because of XXXX affiliates XXXX and XXXX Escrow violations payment is being sent via US Postal money orders dividing principal/interest, ins /tax and their declared XXXX th overage. They have invented a Forebearance Suspence account holding Escrow and overages and charging late fees because it is n't a lumped cumulative payment, also declared default during transition. Same strategy as XXXX and XXXX, blackmail credit rating with highly questionable balance manipulation,,, ,result will be a Postal Fraud claim ultimately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Mortgage (FHA mortgage) with loanDepot.com, LLC (OK).
Issue: Loan modification,collection,foreclosure

Complaint: I took out an FHA mortgage loan through Loan Depot to buy our home a few years ago. Our family has run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because Loan Depot has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$11000.00}. I am not able to do this and believe there are other options available, but Loan Depot is saying there is nothing else I can do and even if they did work to modify me it would only save me {$60.00} a month. 

When we applied for the loan my wife and I were both gainfully employed ( I have worked in the XXXX for XXXX years XXXX and my wife works in XXXX. We had sufficient incomes to pay our mortgage payment and everything was fine the first couple of years until the oil industry took a dive. Overnight my hours were dramatically cut which drastically reduced my income. In that same time frame my wife began having some major medical issues and started having restrictions at work. This made it difficult to keep a job or any type of regular hours. Because of these two issues we began struggling to keep up with our payments and eventually feel behind on the loan. We contacted our servicer Loan Depot as soon as we missed our payment to try and get them to work with us. We had been told that FHA loans had many programs available for struggling homeowners -- our income was lower than when we bought the house and we were led to believe that there were programs that could help us. We were shocked at the way that we were treated by the Loan Depot agents. It was very difficult to communicate, we had to send and re-send the same paperwork on multiple occasions and then are told that if we were to ever get approved for help we would only save {$60.00} a month so it is not really worth it. I do n't believe this is the way Loan Depot is supposed to handle our loss mitigation request ; I do n't believe that Loan Depot has given us access to all of the FHA programs that should be made available such as modification, forbearance agreement, repayment plans or partial claim. 

What is most frustrating is that during this lengthy review our delinquent amount has continued to increase -- -we attempted to make a payment a few months ago but were told that it was not possible to make a payment anymore unless we paid the entire delinquent amount all at once. This is just not possible. My wife is working full time again and my hours have stabilized and we can afford a reasonable payment. I feel that we are headed to foreclosure unless a miracle happens. That does not seem right.

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