milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-02-2015 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (OH).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process of losing our home we built. Because of the bank stating after 8 yrs our loan matured. Even though we have signed legal doc. stating we have a 30yr fixed loan with at date of XXXX. The bank wants the payment in full but no one can explain how or why this is happening. They are forcing us into Foreclosure and the latest they ask if we would deed the house back to the bank. We have the house on the market trying to short sale it, our realtor XXXX had it on the market for XXXX. We had an offer but the bank refused the amount and counter XXXX. The buyer did not take that offer. We have had an mortgage specialist tell us we can afford that price but M & T bank will not work with us. After several attempts at a loan modification they approved us, but the payments were over XXXX a month. First all of that is unrealistic and totally unacceptable. They stated refusing our payment and would send the checks back to us. I had to file bankruptcy to stop them selling the house. Then they realized they did n't serve the paper and follow proper rules. I DID NOT go through with the bankruptcy but its showing up on my credit report and It will be a long time before I can provide a home for my family. I have a daughter that just graduated from XXXX XXXX and my other child is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (PA).
Issue: Account opening, closing, or management

Complaint: I have account with Citi bank for almost 10 years. I was trying to login to my account but it was asking me about my new debit card that i supposed to received, i never received so i called the customer service, the citi bank representative trying to send me the replacement when she verified my address she said that there was some problem in your address, we sent to the different address. I explained her that I receive all my citi bank mail on this address for the last 2 years and never had any mailing issue. when i asked can you tell me what is my current address and when this got changed. she said she ca n't share these info. i request to talk to supervisor, she said we have the same mailing address and she came with another story that your account has been closed few days ago due to overdrawn., I told her that citi bank closed all their location in my sate ( Pennsylvania ) long time ago. the only way to access my account is online or through ATM. i did n't have access to it. i asked for solution. she said no solution to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with Medical Financial Services, Inc. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the balance in full to XXXX Hospital, XXXX MS I do not owe the {$120.00} and I have asked the debt company many times to contact XXXX where this was paid off and they have told me they would but it still has not been removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: When our loan was bought ( from XXXX ) by Nationstar Mortgage ( in XXXX of 2016 ) it was mistakenly transferred as an Escrow Loan. Somebody must have ticked the wrong box. Our loan was written from the beginning and is a NON Escrow loan. They also said we had a lapse on insurance coverage which we did n't. 

By XXXX of 2016 they were claiming that we owed them XXXX of dollars in Escrow and they started the collections calls. 

We have repeatedly called in conference with our homeowners insurance agent and with our mortgage broker and have provided Nationstar with all the necessary documents : CLOSING DISCLOSURE and INSURANCE CERTIFICATE which clearly show that we do n't owe any money in ESCROW because No 1 ) this was a NON ESCROW loan to begin with AND No 2 ) because we have fully paid our homeowners insurance for the year, PLUS we have FULLY paid our taxes for the year. The collections calls continued. Looks like the collections department, their insurance department and their escrow department not only have different XXXX numbers but they must be on different continents or maybe on a different PLANET!!! Makes you wonder! 

To make a long story LONGER, after 5 conference calls numerous other calls and 3 months that we have been trying to resolve this issue Nationstar Mortgage sent us a letter dated XXXX XXXX with a research reference number, saying that the matter is being investigated. They also assured us over the phone that the matter would be taken care of and that they had all necessary documentation at this point. 

A few days ago we started getting the collections calls again at a regular basis, which in Nationstar fashion means every single hour of every single day, literally! Those calls must be robot generated but the human being at the end of the line if you answer the call, is far from human, as I said, probably planetary and galactic migration is a fact for this Mortgage company. 

I just called them this afternoon again and after 15 minutes with all the preliminary stuff, which is typical, and 20 minutes on hold because the " agent '' aka XXXX aka XXXX, was looking for the loan and then she was looking for the notes and then was verifying everything over and over, and making sure that I know that this call is being monitored and recorded for quality assurance purposes, and this is an attempt to collect a debt, she told me that the RESEARCH REFERENCE number that I gave her ( which was on the letter that they sent me ) was the WRONG number, but that she had found in the notes that " our request was rejected BUT that our claim was PENDING ''!!! WHAAAAATTTT?????? 

Help! Please! Someone? Anyone? 
Nationstar Mortgage SHOULD NOT EXIST AS A COMPANY ... not a mortgage company! As a company at all!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Payday loan () with ONEMAIN FINANCIAL HOLDINGS, LLC. (SD).
Issue: Received a loan I didn't apply for

Complaint: I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. 

However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX I refinanced my mortgage to save XXXX a month.Since then my life has changed because of an escrow shortage that occurred during the transaction with the title agency that failed to pay a quarterly period of my taxes for the approx. amount of XXXX. This particular loan was originated among many other Companies that handled this predatory loan and was not discovered from me until 6 months after the cycle period came due to me during the process with 3 other banks at that time. At this time my lender Freedom Mortgage has this loan and was supposed to help me by going into a forebarence plan and then getting a loan modification to reduce my monthly payments, because my payments had increased from this misfortune for me. I have been on this plan since XX/XX/XXXX and now being told that the loan modification may not save me money. I have already had 2 so called " point of contacts '' and am becoming very skeptical as this is becoming more serious for me now almost 3 years later..I am making many attempts to resolve issues and have became disabled from the stress, bankrupt and on food stamps. I actually ran out of computer supplies and offered to travel to an office in NJ to complete any paperwork ... I really do not like to complain or get worked up but I desperately need some kind of advice or help from a reliable source. I also did even make an attempt last year to avoid this matter but ended up losing my second home since the cost of a lawyer 's fee would have been beyond reasonable. And I will be damned if this causes me to lose my primary residence. I was recently referred to a company who asked me for money to modify my loan and raised a series of red flags for me and did n't seem like relief programs to me and it seems there is no relief. I can no longer keep up with explaining the hardship something like this can cause and being unable to walk long distances to even fight for my rights has become difficult so if anyone does read this I am only seeking proper relief and the correct source to help take actions.

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 04-05-2016 about Payday loan () with ACC Management, Inc. (AL).
Issue: Can't contact lender

Complaint: I have a judgement listed on my credit report for 1 Stop Cash from XX/XX/XXXX from the XXXX Al Location. Well i dont remember any details from this account its says that I owe {$410.00} to this place. Well the issue here is is I applied for a mortgage and this judgment shows on my credit. The mortgage company wants me to satisfy this judgment before they will enter the homebuying process with me. I went to this location of this alleged one stop and its out of business since XX/XX/XXXX. then i proceed to the courthouse for more information and all they had was a docket # with no details and stated that I had to pay the owner. Well if the owner is nowhere to be found how can i settle this debt. I 'm not trying to avoid the payment i just want a home as i will soon be homeless. My landlord gave me thirty days to purchase this home because he wants to sell it. If i ca n't pay the courts and ca n't locate the owner this situation can never be rectified. It my understanding that a public record stays on your file for at least 7 more years after its satisfied well that means if the owner supposedly dropped off the face of the earth then it will remain permanently. I 'm severely irritated by this matter and it causing me extreme stress. As a consumer who wants to start over and right any wrongs that may have occurred i feel as though I 'm not afforded that opportunity to do so. Someone please help me in regards to this matter I desperately need assistance thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been having serious problems receiving annual credit report from Experian Credit Agency, XXXX XXXX, XXXX, Texas XXXX through the United States Postal Service. I applied for my credit report numerous times by telephone. I absolutely requested for Experian not to send my file over the internet due to identity theft issues as well as my computer being hacked. I would like to have my Experian Credit File sent immediately by mail only. Due to inaccuracies on my reports. Most importantly due to Experian deleting a good standing trade line that was not due for deletion. The trade line was with XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX, XXXX the good standing trade line was deleted without a dispute from the consumer through a portal administered by XXXX. The good standing trade line was not due to deletion until XXXX XXXX. This is against my fair credit rights and needs to be thoroughly investigated. I have never been married or jointed my credit file with a spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted convergent outsourcing by mail to verify and validate a debt. I received a response the beginning month of XXXX with just a bill copy. The amount of XXXX This no real proof that a bill is mine simply because my name is on a bill. I want real proof that this debt is mine such as a signature, e signature, copy of my identification proving this debt is mine. If this can not be provided i would like this debt to be removed from each credit bureau it is reporting to and not to be added back with another collection agency. This debt that is reporting on my credit report is severely damaging my credit worthiness. I demand proof in writing by mail that this debt is mine or remove it! And once it has been removed immediately notify me by writing in mail.

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 07/26/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX XXXX, I spoke to a gentleman at Hunter Warfield and explained that I understood a debt was owed but that they needed to honor the request I signed to take a leaseholder off of the file a month after moving in. The representative asked that I email him the file which I did the same day. When I contacted him again, he advised that it will take a couple of days to resolve itself and asked me for payment when I reminded him that once they honor the contract I signed, I will be glad to start making payments. The other party involved kept getting letters saying that he would be sent to collections and the matter never got resolved.
On XXXX XXXX I get a call from quite a rude presentative who tells me that as the law, I can not disregard a contract that was signed and kept cutting me off until rudely telling me good luck and hanging up. Hunter Warlfied has sent notices to all the addresses I have been affiliated to and also the other person that on the lease with me ( who was supposed to be taken off ).

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 07/24/2015 about Debt collection (Credit card) with Capital Management Services, LP (RI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached historyof payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # 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 non-monetary relief
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
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: For the past 4 months I have requested from   XXXX    the " ORIGINAL '' documents provided to them by the credit collection agencies who have reported negative accounts on my credit report. The credit collection agency is Central Financial Control and the account number is  XXXX . I do not have any knowledge of this account. Under Section 609 of the FCRA it clearly states that the credit bureaus have to have on file the with my " ORIGINAL '' signature that were provided to them by the credit agencies. After all of these months they have rightfully deleted some of the accounts reported on my credit report but to this day I have yet to receive all of the requested documents and the negative accounts have remained on my credit report. Each credit bureau have deleted some of the accounts that another bureau keeps reporting and some accounts have remained on my credit report that other agencies have deleted. How is that possible? Either they have the documents that I am requesting or they do n't. All am simply asking for is the " ORIGINAL '' documentation that they received from the creditors that have reported negative information on my  credit report that they are required to provide me with upon request and they have yet to provide me with that information yet they keep the negative information on my credit report. Could you please open an investigation and help me get my credit report sorted out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I 've asked that information in my credit file be verified and validated under the FCRA and still the credit bearu has failed to do so and still reporting errors as of date. I havent received any documents supporting they have verified any information method used who verified nor how they verified the information being reported.

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 04-09-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other service issues

Complaint: On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to make a dress for my brother 's wedding, I have all email and IM correspondances which she clearly stated she would make a XXXX/XXXX copy so we can ensure fit. My mother placed an order with her as well under the same assumptions and she stated again that she could do the XXXX. My mother sent her measurements within 24 hours of paying for the dress but never received the dress by the deadline, XX/XX/XXXX. When the dress arrived the quality of sewing was poor and unfinished. The material had oil stain. My outfit arrived the evening before the wedding ( XX/XX/XXXX ) not allowing time for alterations. Both items did not fit and were not quality made items and not as previously designed/discussed. I have pictures to document these concerns. When contacting XXXX, she refuses to come to a resolution saying the XXXX was an extra charge despite not disclosing this prior to payment or previous emails. She refuses to meet us halfway in resolving this issues. She took our money total of {$480.00} and is hiding behind NO REFUND POLICY despite poor craftmanship and lack of timely deliver as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AZ).
Issue: Account opening, closing, or management

Complaint: RE : EBAY ITEM XXXX I am having a problem with the billing for this item. When I checked out at purchase I was given XXXX billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. 

However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. 

I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On XX/XX/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. 

I believe changing the terms of a sale after close is a fraudulent business practice.

Company response to consumer: Closed with non-monetary relief