milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (FL).
Issue: Settlement process and costs

Complaint: Hi, I am writing a complaint on US Bank Mortgage. I am a XXXX. I have been working with my client since last XXXX 2016 to sell her house. We have a contract. It has turn into a short sale. The bank, US Bank has been dragging there heels. Give us the run around no action of getting a answer whether not the offer has been accepted. Today, XXXX I spoke with relationship manager handling my client 's case and still no new updates whether or not the offer contract on file has been accepted. This is causing unnecessary delays. We have tried to delay the auction foreclosure process. I got a contract on this house and no response from the bank US Bank and no action. Just constant unnecssary delays. Please feel free to contact me where I can discuss further details.

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 07/29/2016 about Credit card () with U.S. BANCORP (WA).
Issue: Customer service / Customer relations

Complaint: I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for XXXX XXXX and US Bank. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history

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 01/25/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I requested for XXXX XXXX XXXX to validate NOT verify a debt that they are attempting to collect from me. They provided me with billing statements from another company which does not validate that I am obligated to pay anything to the above company. I do not have a signed contract between myself and XXXX XXXX XXXX and I have not given the above company the consent to contact me in regards to my account. They have reported incorrect delinquent information to the credit bureaus. The debt owned to this company is not valid and therefore I am requesting for this debt to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Credit decision / Underwriting

Complaint: My home has been foreclose. There is a 3rd party buyer already. It took place on XXXX XXXX, 2015. I am in court right now fighting for a wrongful foreclosure and eviction. I have XXXX lawyers working on this. I am looking for a bank who could finance my loan. It is a winnable situation, because I have very good lawyers. It is very hard, but there will be a light at the end of the tunnel if you will help me get a loan.They are saying the same thing, find a lender to finance my loan.. E-mail address : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently 3 months behind on my payment, almost XXXX. Several weeks ago maybe XXXX we attempted to make a partial payment that was refunded unaccepted. We then applied for a modification which was denied. I have now been told that on Saturday XXXX XXXX a demand letter will require the full amount, XXXX approximately. I attempted to establish a payment plan for XXXX today and XXXX on the XXXX but was told that i must make a payment of XXXX by Saturday to avoid the demand letter and starting foreclosure. I am in this position due to a loss of income and can not financially afford the lumpsum of XXXX or the XXXX at one time. I want to keep the home, i have a VA loan and want to avoid foreclosure completely, nationstar is simply refusing to work with me i feel.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kinum, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with Experian Information Solutions Inc. (MA).
Issue: Shopping for a loan or lease

Complaint: Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquirer Name : Bank of America Inquiry Date : XX/XX/2017 I have never applied for Bank of America credit card or loan, my identity was stolen 14 years ago till this day they still try to apply for credit cards and loans they even tried to come get the mail from my house, please remove this inquiry from my XXXX   credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section  623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the   information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database  XXXX  search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that is authorized to do so.   Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.   I will expect you to notify me the results of your investigation withi n 5 busin ess days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable.   The items that appear on my credit report as :  1.    XXXX   XXXX   ACC BAL {$450.00} This account is a HIPPA violation please delete.   2. XXXX   XXXX   XXXX   XXXX   XXXX  Never done business with company error please delete.   3. XXXX   XXXX  ACC BL {$430.00} This account is a error please delete.   4.  XXXX  ACC BAL {$330.00} This account is error never done business with this company please delete.   5.   XXXX   XXXX   XXXX   ACC BAL {$330.00} This is a unauthorized access to my credit profile error please delete.    6.  XXXX   XXXX   ACC  BAL {$240.00}, {$270.00} This account has no details never done business with them. I do not recognize this company please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have requested for  XXXX  and  XXXX  to remove an account on my credit report that is inaccurate. I have stated that I do not owe Hunterwarfield {$1700.00} this company is committing false information on my credit report. Both   XXXX   and  XXXX  have removed Hunterwarfield on my credit report in estimated time  XXXX  of  XXXX . Now they have put this back on my credit report  XXXX   XXXX ,  XXXX  which this is damaging my credit report and NO ONE will rent to me even with a dispute on my credit report. I do not have any documents to back this information simply because I do not owe  Hunterwarfield  any kind of currency. I have sent both   XXXX   and  XXXX  a letter to remove this off my credit report  XXXX   XXXX ,  XXXX .

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with NORTHLAND GROUP INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But XXXX XXXX sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I fell behind on a payment to Conn 's. They call my home phone number at least 8 or more times a day. And they call in the evening and at night. I have continued to make payments, and followed the instructions in a letter I received to have a set amount deferred. Now Conn 's says that because i did not talk to a representative the offer is void. The only option when I called the number in the letter was to make a payment which I did, as stated in the letter. They continue call, and have called me a work. My employer will not forward the call and has asked them to stop calling. They will not, they are relentless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2015 about Student loan (Non-federal student loan) with Genesis Lending (MT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have genesis loans from XXXX they do n't ever send my mail but then they call XXXX times a day then when I have time to answer they tell me I 'm behind on my loans they want me to pay 400 a month and I asked if my loans are apart of the lawsuit and they hungup on me all the issue brought up in the lawsuit I have dealt with since XXXX 2012 when I started they have repeatedly said I have no options left telling me 400 a month or I will default on my loans

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 05/17/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid {$1.00} for an annual credit report and was automatically signed up for a {$22.00} a month credit reporting service which I did not want nor was it made clear that I would be signed up for.

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 11/19/2017 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: Information belongs to someone else

Complaint: inaccurate information on credit report several different names must remove if reports are not 100 % accurate

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 08-12-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XXXX, I have started with assisting a client with the process of his short sale. From the very beginning I have advised the servicer that there are additional non traditional liens on the property but I feel that the negotiator has either conveniently ignored my warnings or did not understand them. It has been 10 months and I feel they have stretched this file out needlessly and have added on XXXX extra months of city fees to the additional liens and there was no real cause for this as I have outlined everything for them initially, but their internal department refused to listen to my comments/suggestions. 
There seems to be no end in sight. And the buyer/seller is feeling very uneasy about the whole transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Called went on website and disputed nothing was done

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 07/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: In summary, I was approved for a Deed in Lieu by both Nationstar and XXXX XXXX in XXXX, XX/XX/XXXX. The only item to be cleared was my second mortgage which had gone to collections and was taken over by XXXX XXXX XXXX. Working with Nationstar, XXXX XXXX and XXXX XXXX XXXX, they agreed to settle my account and release my lien upon receipt of payment of {$6000.00}. I was also approved for a Cash for Keys program in the amount of {$3000.00}. On XXXX XXXX, a check was cut out of my account and forward to XXXX XXXX XXXX. Nationstar DID NOT put any remittance advice with my check, and when XXXX XXXX called Nationstar and asked them the account the funds were for, THEY GAVE THEM THE WRONG ACCOUNT. ( Please see attached copy of the check, that IS NOT MY ACCOUNT INFORMATION. ) All Nationstar had to do was to request that XXXX XXXX Solutions Reapply the funds sent to my account. They never did!! For months, I went back and forth with the account representative that I was assigned, XXXX XXXX, who last told me via email on XXXX XXXX, " Good Morning XXXX, I apologize for the long delay, but I have not forgotten about you and have been diligently working on your case. We have provided all the informitao necessary to the second lienholder with explicit instructions on how to fix these items. I will follow up with them today and see where we are out. Thanks ''. 

I called XXXX XXXX XXXX, and my case worker there named XXXX XXXX who in turn told me they received nothing from Nationstar as far as instructions!! 

At this point, I am totally distraught. My situation is what it is due to nasty separation / divorce. I had to agree to a date to go back in my house for our settlement, remove all my items, hire a moving company that I paid close to {$1000.00} for, had to rent a storage unit that I paid way over {$200.00} a month for, threw away many valuable items as we had promised Nationstar that the house would be Vacant and in broom swept condition by XX/XX/XXXX. 

I have tried many many times to contact Nationstar. There are occasions that someone will respond, and then I get told that my situation is important, they take my matter seriously, even after I filed a complaint with the XXXX. On XX/XX/XXXX I received a phone call from customer service saying that once again be reviewed. I received a letter in the mail, again, stating that I will have a response by XX/XX/XXXX. It is now XX/XX/XXXX - I have heard nothing. This situation has caused me so much XXXX, I do n't understand how a company could treat any of their customers, the way they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Denied for a credit card because XXXX ca n't verify my address. Experian has me at the wrong address. Tried their online dispute form twice, both times it says they ca n't allow access. Tried calling during business hours, waited for " next available representative '' for 30 minutes, then had to go back to work. It is impossible to get this company to address a problem they created. And they charge {$10.00} to lift a security freeze that will expire before I can get them to fix the problem!!

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 09-10-2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing in regards to my mortgage company ( Loan Depot ) failing to pay my taxes for my property and a tax lien was placed on all XXXX of my credit reports due to their negligence. I escrow my taxes per requirement of my mortgage and Loan Depot in return is required to pay my taxes for me. I only knew of my taxes not being paid because I tried to take additional credit out for a credit card and was denied due to a tax lien being placed on my credit report. I have contacted the loan depot a number of times ( via : phone and email ). They have not helped me what so ever. I have tried disputing this through the credit reporting agencies and they have denied my claims because loan depot has not contacted them to state this was at their fault and not mine. I have provided everyone any and all information to prove this was not my fault but still I am the one who is effected by their lack of responsibility. I have spent HOURS trying to fix this problem and I do n't know what else to do. My credit has been trashed because of this. I need this removed from my credit report immediately and loan depot has not made any attempt to work with any of the credit reporting agencies to fix this problem.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have advised this collection agency via certified mail that this debt they are attempting to collect is not mine, but is a result of identity theft. I have never had a service with XXXX. I included all police reports and documents in the certified letter sent to this collection agency and advised them to cease and desist due to fraud/identity theft. This is NOT my debt and the collection agency must cease and desist any and all harassing collection attempts.

Company response to consumer: Closed with explanation