milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-08-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is an extension to a former complaint filed a few days ago with NationStar. After XXXX Title Company tried to pay off the lender for my home the lender NationStar rejected the payment saying the payoff amount was short by XXXX but could n't tell us where that amount came from and why. They sent us a new payoff balance which stated that the new payoff amount was not short by XXXX but actually short by XXXX but again could not tell us why or what for. We spoke with XXXX different representatives who all stated that it was an error on their end when giving us the payoff balance but they could n't pin point what the error was from and how they got their numbers. XXXX Title Company decided to pay them the extra XXXX out of their own company funds to be done with the situation. Upon sending NationStar the new payoff balance with the XXXX difference somone mistyped and over payed NationStar by XXXX We contacted NationStar who said that they were unable to return the wired overpayment because their system showed the received the fund through a check not a wire. XXXX with XXXX XXXX gave them wire transfer information proving they were wrong and that the funds were indeed sent via wire. We spoke with a XXXX, XXXX who said that they would send the XXXX back but could n't until AFTER XXXX days due to NationStars policies. She then changed her story stating it could be done after XXXX days. She then again changed her story and said that we could put in a request after 18 days to try to get the funds returned and that it would need to be processed and if approved then we would receive it via check in the mail through XXXX. She said that she could not send the funds to XXXX XXXX that she could only by law send them to me. So now we have to wait XXXX days to received this check once it 's sent here to XXXX to me I have to signet over to XXXX XXXX and overnight it to their offices in XXXX. I 'm extremely irritated that NationStar changed the payoff amount AGAIN and can not tell us why. I 'm extremely irritated that they will not return XXXX Title Company 's money to them. I 'm extremely upset that they changed the payment received in their system in order to prolong the refund process. This company is beyond ridiculous, unprofessional, and fraudulent. Attached you will find the documents showing the payment differences the wire transfer and the over payment to them supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (FHA mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/2015 I closed on the sale of my home. The property was previously in a foreclosure proceeding, therefore my attorneys contacted the bank 's attorneys XXXX to obtain a payoff amount. A payoff letter was sent to my attorney XX/XX/2015. This payoff figure was confirmed by the title closer on the day of closing. 

Approximately three weeks after the closing, I contacted the new owners of the property to determine if any mail was still being sent to my old address. Inspection of the mail I received resulted in my locating a letter sent by regular mail from Seterus ( the debt collector processing my loan ). This letter included the payoff check which was sent to them by the title closer to payoff the loan. The letter stated that the check was being returned because payoff amount was insufficient. 

I immediately contacted my attorney and the title closer. I returned the check to the title closer and called Seterus to determine what happened. The Seterus agent indicated that they had sent a different payoff amount to my address XXXX ( the same date as the letter that was sent to my attorney from their attorneys - XXXX ). When I tried to ascertain how the matter could be resolved the agent said I would have to send a complaint to a fax number, and wait for someone to contact me. The agent also mentioned that interest in the amount of $ XXXX/day would be accumulating. When I tried to determine how long the resolution process would take, no time could be provided. 

There has been significant misrepresentation by Seterus in this matter. I believe this misrepresentation amounts to fraud. Seterus asserts that they sent a payoff statement to me XX/XX/XXXX in a larger amount than that sent to my attorney - a copy of this letter is attached to the statement they sent to my attorney XX/XX/2015 

If the larger payoff amount was on the Seterus record XX/XX/2015 as they suggest, why did the Seterus agent quote the smaller payoff amount to the title closer XX/XX/2015 the day of the closing ( a note to that effect was made by the title closer at closing, see attached ). The evidence suggests, that they recalculated after the closing, and created backdated documents to support their position. This company should not be allowed to do business. If your loan is sold to this company, you are in trouble. 

This company has a long standing record as a bad actor in the mortgage processing business. They are rejecting a payoff that was generated by them and are attempting to accrue additional payments to the tune of $ XXXX/day with no end in sight. I will complain to every possible government agency in an effort to get someone to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX I received a letter from XXXX XXXX XXXX stating that I am eligible for a credit by reviewing my credit history. I never had the intention to apply but their offer letter and documentation was attractive and misleading. I enrolled online and tried to accept this offer with the intention that I will receive a new Credit Card. They immediately evaluated my approval and denied to give me a credit card. They made a hard inquiry on my credit score and deteriorated my and my wife 's scores. Since we are very new to the US, we just moved from XXXX to US this summer, we are also new to the credit environment. We know that in US credit score matters and is very important. This is why we have not been applying to all scams and all promotional materials. But this one was really misleading and it did not mention that I am not eligible for a credit card. I want your support to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called several weeks ago to the collector and gave my l  ast 4 of social security at pont they could not find me. either by social date of birth, name lat name so forth. so I disputed the issue. I then receive from  XXXX  that the collector responded the debt is mine. so today I call and now they can find me under my social and date of birth. that is so weird that they were able to find me now not 3 weeks ago.
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this company that is collecting the debt I worked for. but my apartment and bills were paid by the company so I do n't know how I owe them any money and I was never notified I did owe them anything at all. They had had my email and my forwarding address and nothing was ever sent to me about any money due.
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this company I worked for is upset because I quit because the way they treated my fianc. he was an illegal immigrant and they were calling ins on him after he worked for them 8 yrs faithful  ly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-05-2016 about Debt collection (Credit card) with U.S. BANCORP (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: father used my social security number to take out XXXX credit cards under my name

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 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by company called XXXX XXXX XXXX back in 2011. I know this was a long time ago but I have been fighting this with their client. Apparently, XXXX was collecting on a debt for Asset Acceptance LLC located at XXXX. XXXX XXXX XXXX, NY XXXX. I believe XXXX, now known as XXXX XXXX XXXX filed to meet their minimum standards to protect customer data or / and prevent identity theft. I have XXXX pages of correspondence an I have contacted the XXXX. No Response. believe someone, opened an account in my name and it was finally taken off the credit reports, but they should have used third party confirmation or other means to safeguard customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Debt collection (I do not know) with Retrieval-Masters Creditors Bureau, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a student loan with Navient. I requested my accountt be placed in forebearence or deferment I forgot which XXXX. I always stay on top of my student loans as they always remind me when its going into repayment. Out of no where they placed this account with negative remarks on my credit after I just brought my credit score up. I immediately called them and informed them that this is their mistake and it should have been in non-repayment status. They agreed to fix it. they put it back in good standing but not after damage was done. They are still on my credit with negative remarks and I want to know what can be done because this was not my error and I worked all year round to fix my credit for their " error '' to knock it down over XXXX points ''. Something needs to be done please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Late fee

Complaint: I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (WV).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete

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 11-08-2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is not my debt and I never even received a debt collection letter. I received an electronic notification from XXXX XXXX that this collection agency added a delinquent account to my credit reports. 

I want this company to produce ALL information, contracts with my signature, account summary from the original creditor, information showing the date this account became delinquent, and the date this account was originally placed for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I was given a loan from Countrywide for 100 % of my purchase price on XXXX. 

I am currently in Foreclosure. 

Please help me and my family save our home. 

Thank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't owe this company any money, I never had a at & t account. I will not pay for a debt that do not belong to me.This account is fraud and I will not be responsible for this debt.it is illegal for this company to obtain my personal information from another company. I 'm tired of being harassed about this account. I know my rights

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called  XXXX  twice on  XXXX / XXXX /17 regarding inquiries that should not be on my report. The first gentleman that I spoke to would not allow me to speak and I could barely understand him due to the language barrier. I requested to speak to a supervisor and he discod the line on me.
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The following inquiries should not be listed.
  XXXX   XXXX    XXXX , PA   XXXX    XXXX / XXXX /17   XXXX   XXXX  .  XXXX  , NJ   XXXX   which is also showing twice within 30 days.  XX/XX/XXXX  and  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 04/25/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Trouble during payment process

Complaint: Yes, my name is   XXXX   XXXX   XXXX   XXXX   I am a   XXXX   XXXX      XXXX   XXXX   and have and am currently being harassed by the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , Alabama,  XXXX . The policy I have with them falls under  USAA Federal Savings  Bank  XXXX   XXXX  Wind and Hail. Since I bought my house at  XXXX   XXXX   XXXX ,  XXXX  Alabama  XXXX , on or about mid-  XXXX   XXXX  - I have received on a frequency of about one a month correspondence from the Alabama  XXXX   XXXX   XXXX   out  of  XXXX   XXXX  AL, requesting various information, that I have had to have  USAA Federal Savings Bank handle,  repeatedly. This year alone (   XXXX   ) I have received  XXXX  letters from the Alabama  XXXX   XXXX   XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked  XXXX   XXXX   XXXX  Bank numerous times to fix this- obviously to no avail. On,   XXXX   XXXX   XXXX   I spoke with a  XXXX  at  USAA,  who claimed she could not in fact contact this agency in Alabama, despite other  USAA  agents who could. Now oddly, the Probate Judge of  XXXX   XXXX , Alabama, where I reside,  XXXX   XXXX , was the Mayor of  XXXX  Alabama, who left this position under dubious circumstances. Also  XXXX   XXXX  is a big time or was a big-time player in the Insurance industry here in  XXXX   XXXX  and the State of  XXXX  with links to corrupt officials like the former Governor  XXXX   XXXX  who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of  XXXX   XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local  XXXX   XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the  XXXX   XXXX   XXXX   XXXX  which  XXXX   XXXX   XXXX  know intimately, in addition to the local Department  XXXX   XXXX   XXXX   XXXX  Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from  XXXX   XXXX  lived ( and still might ) in my sub-division of  XXXX   XXXX ,  XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter.  XXXX   XXXX   XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Equifax Credit Report contains another individual 's data. The other individual 's data has been recorded in my credit agency reports for over one year -- I am not certain how much longer than that. I started checking my credit reports monthly through XXXX, and the data below is from my XXXX 2016 XXXX report. ) The company reporting the other party 's data did not take care of the problem when it was brought to their attention. That company is XXXX XXXX. I have never owned a credit card from this organization or its affiliates. 
I called XXXX XXXX about a year ago, and spent an inordinate amount of time on the phone with them. Together, we figured out the problem, but instead of fixing the error, they told me to take the problem to Equifax. I knew that was just going to waste more of my time, and believe me -- I have no time to waste -- so I am writing you for help. 
The problem is that my social security number was mistakenly entered into the XXXX record and associated with an individual whose name is XXXX XXXX. 

My name : XXXX XXXX XXXX ( aka : XXXX XXXX ) Soc. Sec. # : provided later in this online complaint form Company Providing Incoreect Information to the CRA ( s ) : XXXX XXXX XXXX Specific Problem Identified by XXXX Employees in a telephone conversation -- Another individual 's credit card account has my Social Security Number associated with it. 
Incorrect Individual 's name that appears in my Equifax Credit Report : XXXX XXXX XXXX of her last payment : XXXX, 2016 Remarks : Account closed by credit Grantor. 

All ll I am asking is for data and name to be removed from my Equifax report, as well as any others in which it may be appearing ( Sorry but I do n't have time to check on that now. ) If you need to see a scan of the Equifax-generated information that comes from XXXX, I can do a screen shot and send you that. Please email me if you need that.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Alessi & Koenig, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2012, my house was sold out from under me by Alessi & Koenig Collection agency for XXXX in an HOA foreclosure.. This was done in violation of the FDCPA and against my constitutional rights. I had already made a payment arrangement with this company ( they had added on over {$2000.00} in additional fees for a debt that was originally around {$380.00} ) and remained in communication with them. I was also a few days away from a short sale approval on the property. They sold the property anyway ; leaving me with a mortgage of {$230000.00} for which I receive a statement every month. With no final communication apprising me of the actual date, the property was sold at an auction held in their offices with no recourse left to me. The home has been rented out for over three years and the assessments to the HOA are still not being paid, which was the reason they claimed the right to the house in the first place. I have attached emails with written confirmation of the payment arrangement I made with XXXX XXXX XXXX, who I was working with. I found out later that she had left the company in the interim and no one else would ever answer my calls.

Company response to consumer: Untimely response
Consumer complaint received 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This company ( XXXX XXXX ) that has a collection out on me {$410.00} failed to submit balance to my XXXX XXXX company, I do not owe this to them!!!

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