milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have filed numerous complaints in an attempt to stop Nationstar Mortgage from attempting to steal my home. I have not been able to reach a representative since I submitted my modification documents. Their phone number does not work and you can never reach a representative during the hours they claim to be available to check on the status of my modification. This is an attempt by this company to steal my home as I sink further past due with no relief available because they are not returning calls. I have filed complaints with the CFPB, XXXX, Justice Department and any other entity I feel can help me stop this crooked company from stealing my home. Please help! I just received a call from someone who claims to work in their customer relation department but he did n't want to discuss my modification. He claim to have called to let me know it has been assigned to someone. I told him I know a XXXX XXXX is supposed to be handling it but I have been trying for almost a month to reach her and not once has she ever contacted me. This gentleman called from XXXX. He would n't talk to me but was only willing to transfer me to XXXX. I explained I just called her this morning and she has not returned my phone call. He said when I call XXXX or XXXX I can hit XXXX and get any rep and transferred me while I was talking. I got XXXX voice mail again and hit XXXX only to hear the automated voice tell me no one was available. How can this be legal? How can this company do this? I have NEVER in my life deal with a company with this type of business practices. I am doing anything and everything I can to get some help and they are going to steal my home from under me by ignoring each attempt I make to reach them for assistance. I do n't know what else I can do. Please investigate this company and their unscrupulous morals and business practices. Do not let them steal my home!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Prepaid card (ID prepaid card) with CURO Intermediate Holdings (NV).
Issue: Fraud or scam

Complaint: I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: There was a tax lien on my credit report dated XX/XX/XXXX and I wrote each credit bureau after the 7 years to remove off my credit report because it was paid. Per my request it was done for all XXXX credit reporting bureaus ( XXXX, Equifax and XXXX ). In XX/XX/XXXX it reappeared back on my Equifax that was previously deleted in XX/XX/XXXX with a updated date of XX/XX/XXXX. As I read on the Fair Credit Reporting Act a paid Tax Lien should be removed completely after 7 years of original reporting date. How come this is being reported again and it was reported by XXXX XXXX not the Internal Revenue Service Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do 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 08/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am opening this issue with the CFPB to ask for assistance in having a bankruptcy removed from my credit report. Please see the attached copy of my bankruptcy filing of Chapter XXXX datedXX/XX/XXXX. The bankruptcy has since been discharged and the 7 year limit on reporting has expired as of XX/XX/XXXX as evidenced by this letter, however it continues to be listed on my credit report. I have requested removal without success so I am asking for assistance from the CFPB. Please see the attached as evidence that this bankruptcy should have been removed nearly a year ago.

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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of a short sale since XXXX 2015, a completed short sale package was sent to Seterus & XXXX to be processed, including all updated financials every month. I received an email from XXXX that they can not move forward because they are waiting on the Servicer, Seterus to complete the necessary paperwork that XXXX needs in order to Approve the Sale. I have contacted the seterus negotiator via email and have called the customer service number at Seterus and has not received a response. On XXXX/XXXX/2015, I contacted customer service again, and requested a manager/supervisor to step in and help with moving this file forward since the Negotiator has been silent for over a month. They told me they say that the last time the file was touched was on XXXX/XXXX/2015 and that buy XXXX/XXXX/2015 XXXX would hav ewhat they needed. Well I follow up today and this was the message I recieved from XXXX:XX/XX/2015 XXXX Sales Borrower eligibility is still being determined. We are still waiting for Seterus to complete their portion of the short sale review. If you have questions regarding the required documents or need an update on the short sale please contact Seterus directly at XXXX. Thank you. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (OH).
Issue: Deposits and withdrawals

Complaint: Regarding the Rush Card. I 've called several of the customer service and corporate numbers since Tuesday. I 've been told several different stories. I 'm a single mom and my only source of income is deposited on this rush card. I lost my card back on XXXX XXXX. I called and reported it had been used. I made a dispute that same day and I have heard nothing of that dispute. I received a new card in XXXX XXXX and tried to activate it and that 's when my problems began. I received several texts about my balance. It went up and down. Now it 's at XXXX and my new card is being declined and not recognized in your system. I 'm very frustrated as I could possibly be facing eviction as I told my rental office I would pay my rent when I got my new card since I 'm not able to go into the bank to withdraw the funds. This is very frustrating as I 'm not dealing with a private landlord who may understand. I 'm dealing with a business just like yours who does n't want any excuses and just wants there money. I 've borrowed all that I can afford to pay back. Please help me resolve my card issues so that I can get my life back on track. Any assistance you can provide is greatly appreciated. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX approx I opened a fraud complain on recommendation for cc and debt to use a credit stimulate at XXXX credit reporting on a member I could that they took off my mortgage with XXXX XXXX XXXX was gone removed membership on XX/XX/XXXX found it on my report from XX/XX/XXXX They refuse to put it back on credit report rude harmful on the credit inquiries the file shows me with no credit and incomplete denied all they experian said on my file secure file that waoukfnahve an excellent approval all denied But now on XXXX soft hit I have no credit enough to generate a fico score Please put my mortage back on my cred report they are rude hang up and tell me it's tough but it's suppress and various other reason. My other two credit agency are listed my mortgage can I help XXXX checked with XXXX XXXX   everything is fine they are reporting regularly

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 06/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, My name is XXXX XXXX and I have a home located XXXX XXXX XXXX XXXX XXXX Il XXXX. I had been struggling not to loose my home and was in a modification that was too high for me to afford. I was told just keep up with my payments for 12 months and my mortgage would be refinance. I never had the opportunity for apply for a HAMP because I was informed the loan bank would allow and was located in XXXX. My loan was originated in XX/XX/XXXX with Indy Mac Bank who was also who I was making my payments too. I was informed my loan was sold and according to Respa I did not received a 60 day notice that my loan had been sold and now my property has been taken from me by deed. I was also inform that I could contact XXXX Bank who my loan was sold to by my originated lender on XXXX to apply for a Home Affordable Modification since I never had the opportunity to being in a adjustable rate mortgage and my mortgage was under water. I was not notified in writing from my servicers or origination lender that my loan was sold to the bank that foreclosed on my property and will not work with me on not eviction removing me from my property. I really do n't want to loose my property for unfair treatment of adding force place insurance to my modification not allowing me to get my own insurance to reduce my payments to a fair amount I could not afford. Instead my lender would not allow me since they were making a commission off of me. I feel they only cared about themselves not me as a borrower assisting me with a fair fixed rate mortgage instead of a ARM and violated Respa Guidelines by not written notice that my loan was sold to a lender I could have tried to work with to avoid loosing my property. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am file a complaint against Experian credit report. Because I have submit multiple disputes with this company XXXX for reporting on my credit report. Experian did not do the proper investigation. When I called to what information they had gather to verify the error. I was told by the Experian rep that XXXX stated it was reporting correct. I asked where is the proof and none was giving to me. I did not have XXXX XXXX account. I file a complaint with fcc and XXXX on this XXXX XXXX matter and submit this Experian and they where no help on this issue. I am able provider my supporting document but but Experian and XXXX wont provide me the supporting showing that this is a valid account. I am looking for this to be investigate the right way and remove from my credit file

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 03-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Student loan (Federal student loan servicing) with Allied Interstate LLC (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello, My Name is XXXX XXXX, i am currently XXXX years old, I have retired. I have a student loan that i cant repay. I filed For bankruptcy around XXXX and tried to stop the debt collector, but found that that is impossible. 

I have lost everything when the market crashed in XXXX, and had since been permanently XXXX due to a XXXX. I live with my kids, I no longer work and only live off my SS RETIREMENT. I cant seem to stop the penalties and interest on a student loan that took out for my child in XXXX. The school has closed, ran with the money and never was able to offer a degree. We are not the only ones affected by XXXX COLLEGE which we are very disappointed. The Loan was with XXXX XXXX and has been moved to XXXX. I no longer have any information. 

I dont have any ability to earn money and cant afford payments.

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 10/31/2017 about Debt collection (Credit card debt) with JH Portfolio Debt Equities, LLC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.

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 11/17/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Application, originator, mortgage broker

Complaint: A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.

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 07-08-2015 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a delinquency on my report which is not mine and this needs to be corrected by Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief