milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/19/2016 about Mortgage (Home equity loan or line of credit) with DISCOVER BANK (NY).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX/XXXX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

After receiving my initial request, the company stopped reporting the information. This month, however ; they have begun reporting the information again without providing any validation of the debt. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: my credit is set up under XXXX XXXX for a purpose. The landlord/ management of this mobile home park in XXXX illegally checked my credit. How do I know this? the mobile home park sent me XXXX and XXXX XXXX as there is their right. However, I signed the lease as XXXX. XXXX XXXX only Experian, XXXX XXXX, and XXXX know anything about XXXX XXXX the lease signature is attached

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 04-03-2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.

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 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These address do not belong to me my address is XXXX XXXX XXXX XXXX XXXX XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.

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 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (MD).
Issue: Settlement process and costs

Complaint: My original loan amount was {$300.00}. Somehow after a loan modification, the mortgage company added more or less another XXXX to my principle. I had filed for a hardship case, asking for a making home affordable loan. My late husband was in charge of our finances at the time. I have researched and can not find any reason for such an enormous amount of money being added to my principal. XXXX person I spoke with from XXXX XXXX bank said she had never heard of an amount being " increases to the mortgage '', but had only heard of amounts being " reduced, or deducted from mortgages '' .This increase has caused the house to cost more than actual worth, an upside-down situation. If I sell my house I will lose money. This is an absolute injustice. This is not a " XXXX XXXX XXXX '', it is the government bailed-out bankXXXX it 's consumers, and possibly getting away with it. I noticed when I made inquiry with XXXX, they had particpated in the home affordability act, but sold my loan or note to another bank soon after 2011. I was a tax paying citizen trying to avoid foreclosure. Now I am in a much worse predicament. I have attached some documents pertinent to this complaint.

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 12/28/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX my mortgage company Nationstar sent me a letter stating I was behind in my mortgage by few payments. I had just completed a chapter XXXX bankruptcy in XXXX. My house as well as my trustee payments were under strict compliance. I called Nationstar to resolve this issue but no one I spoke to could give me the dates of the missed payments. I spoke to a Hud councilor who referred me to the CFPB. I submitted a complaint ( case # XXXX XXXX on XXXX. Nationstar researched the problem and found XXXX payments that should have been credited to my account from their bankruptcy department. When I logged on to my account they had credited me with XXXX payments but then had taken one back out. I have since contacted the Attorney General for the state of XXXX as well as the Attorney General of XXXX. Nationstar has replied that now my missing payments were from around XX/XX/XXXX. XX/XX/XXXX was involved in a motion for relief during my bankruptcy. My previous mortgage co. XXXX had changed my house pymt but had not included the escrow amount. When XXXX realized the mistake they filed a motion for relief. I was instructed by my attorney to hold my house payments until the outcome of the hearing. The outcome that was settled on was for me to remit a payment of XXXX and to make XXXX additional pymts of XXXX each month beginning on XXXX/XXXX/XXXX. All payments were sent to and deposited by nationstar as they had purchased my mortgage at this time. I am not behind in my mortgage payments. Nationstar continues to send letters that I am behind and I just simply want them research this and get this issue resolved. I hope this information will help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with DISCOVER BANK (NV).
Issue: Closing/Cancelling account

Complaint: What part of " accounts open '', do n't you understand? 

XXXX lists XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX lists XXXX Closed XXXX XXXX XXXX Closed XXXX XXXX BUT XXXX lists XXXX Open and no deletion date. 
XXXX XXXX and no deletion date. 

If you are reporting to all XXXX ( XXXX ) Credit Reporting Agencies as you say you are. Why do only XXXX ( XXXX ) have the correct information. If these are closed, it must be stated as such. If you were to say " considered closed '', that has no validity without a date of closure. 

XXXX has a common practice of doing things all on their own. If there is no date of closure, XXXX will leave these in my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Around XXXX 2014 I applied for a loan with XXXX XXXX XXXX XXXX ( XXXX ). Unbeknownst to me over the next few months ( XXXX ) continued to request copies of my credit reports from the XXXX major credit reporting agencies through XXXX. Some of the request were days apart. Once I found out about the excessive credit inquiries I requested the credit reporting agencies to delete them. I also asked XXXX to have them deleted with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Consumer Loan (Installment loan) with Global Lending Services LLC (SC).
Issue: Problems when you are unable to pay

Complaint: I was no longer working an allowed my cousin to take over the payments on my XXXX that was financed through Global Lending. They knew he was making the payment that they even dicussed my account with him. Never mind you, he is not on the loan. He informed me, as well as them that the vehicle 's motor went out while driving from Virginia back to South Carolina. After the recovered the vehicle and even possibly sold for the vehicle theyre still indicating I owe them a balance of about {$8000.00} even though i been trying to surrender the car before the motor blew out. Theyre still reporting as involuntary repo for the last five years. I need and want this remove

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Over the past 4 months I have made several disputes with XXXX & Experian regarding an fraudulent account being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Lexis Nexis has failed to provide me an updated result of my recent dispute investigation a month ago. I have disputed several inaccuracies without any updated reports mailed back to me in the allow time under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (I do not know) with The Phoenix Recovery Group (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The aforementioned credit collection agency representing XXXX XXXX at XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX XXXX XXXX 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Phoenix Recovery Group does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 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: Account information incorrect

Complaint: XXXX XXXX is still reporting the account as being an open account, when it should not be. In California there is a 4 year statute of limitation an open account. The original company was the XXXX so the account has also been reaged to when XXXX XXXX got it. I am requesting a verification of this account, which I am entitled to within 5 days of request.

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 06/22/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (KY).
Issue: Loan servicing, payments, escrow account

Complaint: As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of XXXX years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. 
As of this date, I have paid {$45000.00}. There remains a balance of $ XXXX which will take about XXXX more years to pay off. When this balance is paid off I will have paid {$54000.00}. Your charge to me is {$29000.00} for the use of {$25000.00}. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity Line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made regular and consistent payments of {$170.00} each month to Navient to pay my federal student loans serviced by Navient. Navient stated that I failed to pay my federal loans for 7 of 12 months in XX/XX/XXXX and 4 of 12 months in XX/XX/XXXX. I provided documentation of the completed auto payments made from my checking account, electronically paid to Navient for federal loan payments for 12 of 12 months in XX/XX/XXXX and 12 of 12 months in XX/XX/XXXX. I have provided proof that I made payments properly and automatically each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information and allowed it to be exposed publicly through a cybersecurity breach. Then, their so called " Solution '' is a free year of their own monitoring service, after which you have to pay THEM to monitor their own XXXX up. They also have the gall to add in an arbitration clause to this offer, in a blatant attempt to cover their own XXXX from getting sued like they rightly deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2015 I XXXX XXXX XXXX XXXX, XXXX XXXX Veteran filed an Mortgage Application with the Navy Federal Credit Union, to-date I 've not received a call or letter as to the status of my VA Mortgage loan application. My mortgage loan representative 's name is XXXX XXXX, my loan application number is XXXX. I 've called and called and left message for XXXX XXXX at XXXX ext. XXXX to no avail. I 'm a XXXX veteran and an American with XXXX, I 'm filing complaint with HUD at XXXX ext. XXXX and XXXX ext. XXXX for discriminatory Practices and I 'm asking that they investigate this matter. Also I 've contacted the Feds Adult Protective services at XXXX. Lastly I 've demanded that the Navy Federal Credit Union complete an supplement and or re-scoring of my credit score do to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX at XXXX compromising, changing and falsifying credit scores with XXXX, XXXX and XXXX. I 've spoken with XXXX XXXX with Navy Federal Credit Union my loan officer, and I 've spoken with their Reporting Agency, XXXX, an XXXX XXXX regarding the Fraudulent false reporting imposed by XXXX, XXXX and XXXX attempts implemented by these REPORTING AGENCIES by sabotaging my credit rating by refusing to make the necessary correction to my credit report after submitting evidence to their reporting agency, XXXX. I 'm taking this fight public due to my XXXX and race with gainful efforts of exposing Discriminatory Practices by Navy Federal CREDIT UNION, and I want give up, thanks! CFPB I look forward to working with your Federal Agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a home on XXXX XXXX XXXX and sold my home the following day. The closing statement paid interest to XXXX XXXX. When I applied and received the mortgage for the new home it was with XXXX. XXXX sold this mortgage the following month to US Bank Home Mortgage. I had made XXXX payments of over {$430000.00} in total on XXXX XXXX and XXXX XXXX of which the larger payment was for {$430000.00} and applied to principal. The smaller payment for the regular mortgage payment due XXXX XXXX was {$2500.00}. This payment was not applied based on the payment date for 4-5 days of interest and was allocated as the XXXX XXXX amortization schedule as if the loan was outstanding in full for 30 days. XXXX eventually corrected this error after several interactions but not before the incorrect information was provided to US Bank Home Mortgage. 

I have an amortization schedule from XXXX showing the balance at the transfer was {$49000.00}. When US Bank Home Mortgage took over the loan they recorded the balance at {$51000.00}, which is off by {$1600.00}. 

After contracting customer service three times to no avail and appealing their reply I am left with the loan balance being carried with the incorrect balance and my subsequent payments are being applied based on an incorrect declining balance. 

I have two letters ( virtually ) identical from the Customer Service Research member of the US Bank mortgage division ignoring the information I have provided including copies of payments out of my bank, the closing statement, the two amortization schedules reflecting the difference I am outlining. 

XXXX admits that the original information provided was before the required correction based on the payment dates but so far nothing is affecting the loan balance shown by US Bank Home and the overstatement of interest expense and 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 non-monetary relief
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation