milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Dear CFPB

Nationstar Customer Relations Department  c/o Mr. Cooper
XXXX XXXX XXXXXXXX TX XXXX

RE: Nationstar Mortgage LLC (d/b/a) Mr. Cooper. Mortgage Number‐XXXX

I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on
X/XX/2014, when the principal balance was increased from XXXX to $XXXX and eventually increased to $XXXX.

The original principal balance and the original loan amount is $XXXX. The current principal balance is XXXX more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately $XXXX. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.
…………..
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team; my Chapter XXXX attorney; the Chapter XXXX bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of XXXXXXXX.

I request that the current foreclosure action,  be cancelled and the correct principal balance be corrected immediately. 


Sincerely,

XXXX XXXX
XXXXXXXX XXXX XXXX XXXX CA XXXX

Nationstar Mortgage Number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: company will not contact use directly the keep contacting family members leavening messages 3 to 4 times a day. But they will not contact the card holder. they need to contact me or my wife directly

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, eve n thouygh they claim to have no information about me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BlueChip Financial (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.

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 02-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person. 
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.

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 08-06-2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My FICO credit score dropped XXXX points from last month due to a derogatory public record. After looking into this, I learned that it stems from bankruptcy, foreclosure, tax leins or civil judgment. However, none of these things apply to me : I 've never filed bankruptcy or had to foreclose on a property, I 've never been to court, and I have no knowledge of a tax lien being have been imposed or a collection filed against me. What can I do about getting this removed from my credit report? Not only is it a mistake on my report, it very negatively impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I 'm returning because I continue to have issues with my lender, my tracking number was XXXX In XX/XX/XXXX on my account statement shows activity for reversal payment which has not happen thus far, approximately XXXX In XX/XX/XXXX I Paid and escrow bill {$30.00} dollars, I 'm unable to denote the actual amount that went on my escrow, I have made every attempt to keep this account in good standing, Seterus is making this very difficult.XX/XX/XXXX Seterus states my payment will increase! 
I can not afford a lawyer, I feel that I truly need one, hopefully someone will hear my plea and help me, My previous request for help ended very minimal and my back remain against the wall, I am asking to have my account audit to make sure my principle is as stated I 'm requesting acceptance of my deferred taxes from XXXX county [ I have the affidavit ] and the escrow account be closed, with all monies in the account go toward my principle I 'm requesting that the reversal of XXXX XXXX be applied to my account I 'm requesting that revision of my payment schedule to only include principle and interest

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Transunion several times informing them that the XXXX Account reporting on my credit file does not belong to me. I am an authorized user on that account and not a responsible party. Can you please assist me in getting this account remove from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-01-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Other fee

Complaint: On XXXX I purchased an airline ticket online with XXXX airline using my bank of america credit card. Airline emailed me a receipt for {$580.00}. However, bank of america added a foreign transaction fee of XXXX to my statement. When I called the bank of america their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by bank of america and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2017 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I was in a car wreck but was making payments on bills. I assumed debt was paid off. However about two years ago someone acting to know me called me at work when I noticed it was n't anyone I knew I hung up phone. I was servered papers by someone that was very rude and got me in trouble with work stating they where going to have a court date and begin garnishment of my wages however I was in college at the time and not getting paid for my work I was in a training position volunteering my time to gain knowledge of my profession. Creditor XXXX and XXXX took my XXXX dollars of a student loan I was getting to pay for my classes I have records from Navient to prove this fact and caused problems with my courses because they took my funding for college courses at XXXX XXXX XXXX which I also have records showing I was in college there from XX/XX/XXXX to beginning XX/XX/XXXX then I was at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX.  I lost my position at XXXX due to harassment by creditors on business phone. I was recently highered by a collision center XX/XX/XXXX about two weeks ago I was served again garnishment papers which then also got me in trouble with my work that to is only a training program but I do get paid enough to pay for tools needed for my jobs duties. I missed payments on my tools due to garnishment and it 's causing problems at my work. For several month I received calls about this debt and still have them saved on my phone. I was not given any chance to defend myself either and talked to an attorney which said there is a statue of limitation on debt of 6 years however it 's been over 14 since. I hope something is done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Managing the loan or lease

Complaint: I leased a 2015 XXXX XXXX in XXXX 2015. The dealer provided financing through Kia Motors Finance ( KMFUSA.com ). I received a XXXX statement in the last week of the month with a due date of XXXX XXXX and promptly paid it. As with all credit accounts, I expect a monthly paper statement to show transactions, interest, etc. and make the next due payment with a personal check via XXXX. I did not receive a XXXX statement for the XXXX. XXXX due date. Without the statement reminder, I did not make a payment. Later in the month they called to complain the account was delinquent and confirmed their system never issued a monthly statement. I offered to make the account whole by providing a credit card payment via phone. They said they could not accept that form of payment, but I could give them a debit card, or my checking account data. I do not own a debit card and do not carry my checkbook with me. I mailed a payment on XXXX. XXXX. On XXXX. XXXX, a XXXX. statement arrived with an XX/XX/XXXX due date. That payment went in the mail the next day. But I did not recognize a {$20.00} late fee or pay it. When contacted, the KMFUSA said that I should have known by the terms of my lease that a payment is due every month on the XXXX and it should be made whether I get a statement or not! That 's XXXX poor customer service. As a best business practice what financing arm expects payments every month without delivering statements?!?!? Is there any consumer financial protection that they are required to provide a statement so I can tear off the remittance coupon, include my check and mail it back to them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: When I type in my personal information I always get an error message saying the information does n't match the information XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.

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 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: TRANSUNION HAS YET TO PUT A FRAUD ALERT ON MY CREDIT REPORT. I FILED A COMPLAINT ABOUT TRANSUNION AND FRAUDULENT INQUIRIES ON MY CREDIT REPORT. THEY ARE STILL ALLOWING PEOPLE TO INQUIRE ABOUT MY CREDIT AND TRY TO OPEN ACCOUNTS IN MY NAME AND USE MY SOCIAL SECURITY NUMBER. ON XXXX XXXX, 2017, SOMEONE USED MY INFORMATION TO TRY AND OPEN AN ACCOUNT AT XXXX XXXX IN UTAH. I LIVE IN XXXX PA. REMOVE ALL OF THE INQUIRIES ON MY CREDIT REPORT THAT I HAVE STATED PREVIOUSLY AND NOW. DO N'T TELL ME THAT NO ONE NEEDS MY PERMISSION TO RUN MY CREDIT ESPECIALLY IF I AM FILING A COMPLAINT STATING THAT THEY ARE FRAUDULENT. I WILL CONTINUE TO FILE COMPLAINTS UNTIL THE INQUIRIES ARE GONE AND EACH TIME THERE IS A NEW ONE. MY NEXT STEP IS TO CONTACT MY LAWYER.

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 01/31/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.

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 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX I received an alert on my credit file that a collection account had been added to my XXXX  credit report. I did not and still do not have any knowledge of any collections. A debt collection letter was never received and I did not have any pending bills or collections in XX/XX/XXXX (  which is what the collection agency ( XXXX XXXX ) is reporting. I immediately disputed the account and collection upon notice to the only reporting agency at the time, XXXX, and they deleted the unknown account and updated my credit report file on XX/XX/XXXX. After XXXX deleted the account, the creditor began reporting the account with Experian. The account with Experian was disputed and they refuse to delete it, even though XXXX agrees it is an unknown account, and it was never being reported on Experian until after the XX/XX/XXXX. I want the collection removed from my credit reports, because I never opened an account, paid any monies to, or began any agreement with a collection agency. The information is inaccurate.

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