milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (GA).
Issue: Application, originator, mortgage broker

Complaint: I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.

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 05-02-2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian has locked me out of the online dispute system and refuses my access to a paid 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 11/17/2016 about Debt collection (Federal student loan) with COAST PROFESSIONAL INC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Coat Professional contacted my office wanting to know if this person worked here. He said that this person applied for something and he just need to is she worked here. I told him that we can not give out employee information without a consent from signed by that person. He said that he could give me her complete social and name.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (NC).
Issue: Problems when you are unable to pay

Complaint: XXXX. XXXX purchased a XXXX from a XXXX in XXXX XXXX North Carolina. The truck at purchased had the check engine light was on they fixed it there at their mechanic shop said it was a coil pack that was out and they also put XXXX brand new tires on the truck I purchased. I also purchased a student warranty 12 months or XXXX miles warranty on the powertrain motor and transmission coverage. I purchase the warranty through the finance company Westlake Financial Service LLC out of XXXX XXXX California. As of XXXX XXXX 2016 the XXXX XXXX XXXX XXXX that I purchase from XXXX due to the fact of the murder tearing up I went ahead and paid XXXX 's truck payment that was {$550.00} I sent Westlake Financial Service {$600.00} on XXXX XXXX 2016 and then I send them additional XXXX more dollars on XXXX XXXX 2016 I 've also called the warranty company and they denied the claim due to pre-existing conditions the dealership will not own up to selling me a lemon for a vehicle and I 've also spoke with Westlake Financial Service warranty claims department what a gentleman named XXXX I made a deal that if Westlake Financial Service will pay 50 % I will pay the ditional 50 % to have the motor Replaced they denied paying 50 % .. so is playing to Westlake that I will not be paying any more payments on this truck until something is done to the truck they have already came and pick the truck up I have no idea where the truck is located they also sent me a letter stating that they 're going to auction the truck off and I 'm responsible for the remaining balance on the truck right now it is {$17000.00} out on the truck. They are hounding me for money but do not want to own up to fix the truck

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (DE).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/XXXX i was called at my place of employment by XXXX XXXX XXXX which is a debt collector for navient a student loans. it was at that time I was 1st informed and notified that they were attempting to collect on at the defaulted student loan that I had with navient and I needed to enter into a rehabilitation program. I entered into a rehabilitation program on the phone that day only to now learn that XXXX XXXX XXXX had my wages garnished as of XX/XX/XXXX. I was not properly notified that my wages will be garnished neither by navient and not by XXXX XXXX XXXX and not by my employer and not given an opportunity to dispute it for proper resolution. my rights have been violated. I have tried to talk to XXXX XXXX XXXX about this issue they explain to me that there is nothing that they can do about the issue. I explain to them I have already entered into the rehabilitation program. I have also already made a payment in the rehabilitation program but they stated that there is nothing that they could do for the next 5 months. I explain to XXXX XXXX XXXX says that the wage garnishment is causing me a hardship and I can not afford for wage garnishment and to pay my bills and this would be severely financial repercussions in order for me to make sure I repay the debt. I did not receive any prior notice from navient. I did not receive prior notice from XXXX XXXX XXXX that they were going to garnish. I would prefer not to involve my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been sending disputes to Experian every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either. This is have been ongoing for almost a year, if this doesn't get resolved so I will have no choice but to pursue legal action against them.

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 08-04-2017 about Mortgage (FHA mortgage) with Alabama Housing Finance Authority (WA).
Issue: Trouble during payment process

Complaint: This company does not allow me to make payments, when I call I get hung up on and told my account is locked, or when I submit payments the company does not allow payment, unless the next month is paid in full too, even though for example I am trying to pay, today X/X/17, and they wo n'taccept payment unless I include XX/XX/XXXX payment which is not even due until XX/XX/XXXX. I have no  problem paying what I am behind on, but they are asking me to pay ahead too, which is impossible for us to do at this time. They are intentionally making it difficult to make payments as if they want us to be behind, and keep us in a default status never climbing back out. Today I requested to make a XXXX $ certified funds payment to them to get us paid for XX/XX/XXXX and partial XX/XX/XXXX and I would pay the remaining balance and be caught up for XX/XX/XXXX, and XXXX XXXX, the only person this company has allowed me to speak to on this account who is consistently rude, condenscending, and hangs up the phone on me, said NO payment will be accepted unless I include all of XX/XX/XXXX as well even though according to my paperwork it 's not due until X/XX/2017. All questions I ask as to why they wo n't accept payment they say is because I am a less then one year old loan. I have asked to speak to ANYONE else and they still have XXXX XXXX as the collection person. The level of unprofessionalism, rudeness, and difficulty they make it just to get caught back up is unreasonable and causing us to have to pay extra fees we are trying to avoid. XXXX, XXXX, absolute terrible company targeting middle class families who just want to make their payments and who ca n't afford any other options.

Company response to consumer: Untimely response
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I pulled my three major credit reports, and I noticed there were a number of medical collections being reported by Commonwealth Financial. They are from 4 to 5 years ago, but only began reporting at the end of XXXX. I never knew these collections existed before seeing them on my reports. I have disputed them with the various bureaus, but they arent all deleted. Some, Commonwealth Financial reported back as verified as being accurate. Ive looked into it and see that Commonwealth Financial isnt even a legitimately licensed collection company. According to the clerk at the Florida Office of Financial Regulation, she said that Commonwealth 's license to collect debt in Florida was revoked in XXXX. Im not sure if this has something to do with why Im seeing collections that Im not sure even exist, or what is happening. But I dont understand they can verify debts they arent even licensed to collect on. And if they cant collect, how are they supposed to inform me of it so I can properly get it taken care of before it ruins my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Credit card) with Harris & Harris, Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Recently, I was contacted by my current universities financial aid department in regards to an inability to obtain funding for me due to a previous loan being in default. This came as quite a surprise to me as I've been in deferment these past few years. My default status is not accurate and, as such, I feel as if I've been wronged. I understand the responsibilities of being a federal student loan borrower ( and I've no problem meeting my obligations if they're accurate ) however, I do believe this situation to be an oversight. I've been shuffled about to various 3rd party collection agencies today and not one of them has given me a satisfactory answer as to why they have no record of my forbearances. My email address is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: I have requested proof of validation on several occasions from the collections company   XXXX   (   XXXX   XXXX   XXXX   ) and also from  XXXX  and Transunion once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on   XXXX   and Transunion.   XXXX   and Transunion have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.

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 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been trying to get a unemployment deferment as I graduated XX/XX/XXXX from the University XXXX XXXX XXXX. As my understanding goes that means as of XX/XX/XXXX I should be eligible for up to 6 months of unemployment deferment. I have been trying to obtain and fill out the paperwork to get the last 3 months of this unemployment deferment for the last month ( It is currently XX/XX/XXXX ). Phone calling Navient takes a minimum of 10 minutes to even reach a person. Then after wasting your time they often do n't help you at all. All I needed was a simple 2 page form for unemployment deferment which I am entitled to. They said that they would send it out at " midnight '' because their " system '' sends out all their emails and attachments in one big batch. Sounds like a scam. I think that Navient purposely makes this process unbearably long and takes unreasonably long amounts of time to even do something such as email you the form when the form should be available instantly on the website. Needless to say I did not receive the form. I eventually was able to get a hold of it by searching around and finding a general email address for complaints, then I was contacted 10 days after this email by someone with the form. I think they do this so that you are forced to make payments instead of defer it. I also think that they make it very hard to find an email address to use because they do n't want people having evidence in writing of such unacceptable practices. I had to make one payment already because they were taking so long to send the form, now that they sent it after 10 days they want another 10 days to " process '' the form. Each payment is for XXXX . I no doubt will have to pay another XXXX $ because their processing time is so long. My impression is that this is a system designed to lag in every aspect in order to accrue as much revenue as possible at the expense of me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IA).
Issue: Problem with fraud alerts or security freezes

Complaint: This is regarding the Equifax 's 143 million accounts hack issue. I checked my details on the given website ( https : //www.equifaxsecurity2017.com ) and received the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Both Transunion and XXXX refuse to even allow an dispute of an incorrect collections on my credit report. The collection company has not only posted an invalid debt on my report, but has inflated the original amount owed by over 344 % in direct violation of the Fair Debt Collection Practices Act. XXXX was the only credit company to act quickly and remove it within a week. 

XXXX continues to state " I cant be verified '' and refuses to let me submit a dispute even though I have my most up to date credit report from them in front of me. Even their " Web email '' doesnt work Transunion refuses to allow customers to submit their dispute online and wont even pick up the phone when called. 

I also attempted to submit a dispute through XXXX XXXX and received notification today that there was a " technical '' error and my dispute did not go through to Transunion

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 09/17/2017 about Debt collection (Other debt) with AFNI INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . 
or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Other financial service (Money order) with WESTERN UNION COMPANY, THE (GA).
Issue: Customer service/Customer relations

Complaint: The post office destroyed my money order, making it undeliverable to pay my bill, and sent me a letter of apology, but will not compensate me for something caused by their negligence. It also made my bill late. I obtained the initial money order at XXXX and was told I would have to add an additional fee to resend the money order. This is unacceptable! I am XXXX and on a very limited income. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (Other debt) with North Shore Agency, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On X/XX/18 at approximately XXXX I, XXXX XXXX  spoke with XXXX XXXX XXXX XXXX XXXX XXXX with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Application, originator, mortgage broker

Complaint: XXXX does n't have my information right like XXXX

Company response to consumer: Closed with explanation