milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX separate occasions Nationstar Mortgage failed to send me statements and XXXX notify me by email or phone that payments were not received. 
On XXXX Nationstar failed to send a statement on account XXXX. 
I mailed in the payment to them and wrote the account number in the memosection of the check. They either did not process the payment or did notreceive it. In any case they made no attempt to reach out in any anyway, either by email or phone call. they did the exact same thing onaccount number XXXX on XXXX. No statement, no call, no emails. 
After 57 years Nationstar is the only negative report I have EVER hadposted to my credit report. I find their practices unethical and believethey should make and attempt to notify the customer so the customer haschance to correct it before it is reported!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: We 've been working w CITI Mortg. since XX/XX/2016. All requests have been submitted 1-3 times. Rcvd letter documents complete XX/XX/2016 review by XX/XX/2016. Accused of no reply to messages but not rcvd from CITI or XXXX coach when requesting outcome from XXXX on XX/XX/2016. Now they are requesting from the beginning again to re-open proceedings for refi. With CITI NO Dept. is synced with the next. XXXX is not synced with CITI at all times. Harassment of late payments when current. XXXX bank XXXX can confirm this. Both my husband and I called CITI to get date changed ( according to SSI and Pension ) ... they refused but agreed to stop late charges within the 30 day grace. This has not stopped either. I have documented all ... we went to an independent financial counseling service during this in XXXX thru XXXX All documents sent to CITI also was cc to counselor. At that time it most have been noted by CITI and requests slowed and stopped with letter XX/XX/2016 as mentioned ALL DOCUMENTS RECEIVED. XX/XX/2016 XXXX requested more documents ... not done as XX/XX/2016 close to 30 pages of requests scanned an emailed of which many were for the second and third time. Foreclosure threat started in XXXX and Bankruptcy in XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: When I received my credit report. I was blown away when I say late payments on these dates : 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I 'm not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thoughts is my monthly statements did not get to me. Please help me understand because I 'm clueless of how this can happen.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, Navient is the XXXX XXXX provider. I have a number of complaints about them. They do n't keep accurate records applied loans. Also, during the auto debit action they seem to change the amount on individual loans when it suits them. Very difficult to get a straight answer.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did an   XXXX   credit report review and I found an unauthorized credit inquiry  ( h ard inquiry ) from ccb/ppc on  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have made more 3 types with XXXX, Equifax, and XXXX XXXX to update my personal address to my credit reports. They continued to denied my request. I also advised that any social security numbers that have listed to my account are to be removed and they have not compiled with request. Also, they are listing multiple contact phone numbers to my report. And I advised I have no numbers listed. I see that here you state not to list personal information in compliant as to have them update account. Please can you assist to have it updated and request to show updates to my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.

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 04/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt is originally for a XXXX bill. It appears that in 2014 the was a lawsuit filed against XXXX for " cramming '' charges. This is where customers were charged for premium services without their knowledge. I was also a victim of this and this has also been validated ( see attached documents ). I have also requested my refund for this services as I did not authorize them. 

The amount of debt that I reportedly owe to Midland/XXXX has been rendered invalid due to this FTC lawsuit against XXXX and the fact that I was a victim of these extra charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Mortgage debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are all fraud accounts that were open without my permission. 
I spoke with XXXX Equifax and XXXX. But they refuse to remove these accounts out of my name. They keep giving me the run around.I sent a fraud affidavit and they are not removing these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient consistenly applied my payments in the least efficient manner, leaving many of my loans past due in effect ruining my credit. as well as harrassing my cosigner about the loans has resulted in my own father not wanted to contact me in regret of co-signing. I 've asked and asked for debt relief and refinancing options to no avail. With credit ruined, and no hope for ever becoming debt free, it has me feeling like college and bettering myself has become the biggest regret in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After pulling a copy of my credit report i noticed this company reporting inaccurate unproven information on my credit report in which i have requested for a compliance check with the credit bureaus in which they have ignored.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Medical) with Cypress Collections (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: In XXXX I had a medical bill from XXXX XXXX XXXX. I did not have the money to pay the debt at the time. I sent a cease of communications after talking to Cypress Collections. I spoke to XXXX then, who was very rude and would not work with me. On XXXX/XXXX/XXXX, I reached out to Cypress Collections and asked to speak to a Supervisor. I then waited briefly and spoke to XXXX who claimed she was a Supervisor. XXXX then stated she was a supervisor/ manager/co-owner who did not want to work with me and then kept interrupting me as I spoke and kept telling me ; '' no and it 's not going to happen. '' XXXX then disconnected the phone call without an cause or informing myself. I did pay {$50.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX and stated the following ; " to make a payment on the account as I know it 's past due. ''

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 EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I received my credit report from Equifax and the items that was suppose to have been deleted, reappeared back on my credit report. I have sent out dispute letters to have the items and inquiries removed again, but they did not remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with Mel S. Harris and Associates, LLC (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Last year of XXXX - i got a letter from my bank XXXX XXXX XXXX. They said that a debt collection agency who is called XXXX law firm. XXXX said they can not allow the garnish because I receive Social Security XXXX. In the packet I got. I had to fill out my situation and mail it in. I thought and my bank said. you, wont be contacted again, and do n't be nervous or have your issues flare up. 

This year of XXXX XXXX i get a call from a lady named XXXX XXXX she wont give her last name. She said when am I gon na pay this debt i owe. I asked her can you send me proof I owe you money. she said, she sent it, and I dont have to give it to you again. she said once i get a lawsuit and default judgement on you. I can keep calling all I want, in attempt to collect the debt. Her Company XXXX - again tried to freeze/garnish my account. 

Again I called and got the same lady XXXX. She knew my voice and said are you ready to pay up. I said I would like to know the server that issued me a court hearing. As I never got XXXX at all. she told me i dont have to, and your credit reports will damaged for 20 years until said debt is paid off. when i asked her can yyou send me the verification of the debt. She hung up. 

besides the original frozen/cease of my accounts in XX/XX/XXXX no letters. I checked my local court and yes they got a default judgement on me. From some company called XXXX XXXX XXXX. since XXXX. it wil be a treck to get there. but i will try it some how.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I went to school for the year XX/XX/XXXX, in which I am listed as having a " XXXX day late '' in XX/XX/XXXX. 

My school sent letters to the CRA. There was no investigation. There was no response from anyone. Although this is not about the student loan itself, but of the investigative CRA process that never occurred, XXXX even admitted to me over the phone they see this happen " all the time '' with XXXX students, and is a computer glitch. They refused to do anything but insist I have my school send a letter documenting enrollment, I sent said letter, and the CRA never once acknowledged much more than the fraudulent listing. On multiple currencies. Since XX/XX/XXXX. This ai n't cool, bro. 

This is woefully inadequate, arbitrary, and capricious. Yet most of all, this ai n't cool, bro. I had in-school forebeafance, and the CRA 's all knew that. All list XXXX trade lines on my account. XXXX admitted it was systemic issue at XXXX. Yet again, this is a CRA investigation matter. 

So, the CRA 's know about it. And, they do n't question it. No investigation took place. This is CRA fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, XXXX, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by XXXX, and XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX both located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX illegally foreclosed on my property in violation of state and federal statutes. In XXXX XXXX, XXXX XXXX XXXX Bank, XXXX. sold the loan and servicing to SLS and assigned a new loan number. XXXX Bank XXXX, XXXX XXXX remained as the Trustee. As of XXXX XXXX, XXXX, XXXX XXXX XXXX Bank, XXXX. never filed the transfer of servicing with XXXX XXXX XXXX XXXX and the XXXX number associated with my home shows that the XXXX status is " Inactive '' and the servicer remains XXXX XXXX XXXX Bank XXXX located in XXXX, XXXX. Also, the Assignment of Mortgage with the county Clerk/Register XXXX is invalid since the old loan number has not changed and the new owner and servicer have not been recorded. A Lis Pendes was filed with the county Clerk to clarify the ownership of the property since a civil lawsuit was filed with the district court seeking damages. XXXX XXXX XXXX Bank, XXXX. was contacted to change the information in XXXX, but the Assignment of Mortgage should also be changed with the county Clerk/Register of Deeds. XXXX XXXX XXXX Bank, XXXX. confirmed that they made a mistake in not properly recording the documentation with XXXX and the county Clerk/Register XXXX. Therefore, Specialized Loan Servicing LLC and XXXX Bank XXXX, XXXX XXXX were not in a legal position to initiate foreclosure on the property. The last Assignment of Mortgage for the property was dated in XXXX. XXXX XXXX XXXX Bank, XXXX. was made aware that a civil lawsuit was filed against SLS and XXXX Bank XXXX for wrongful foreclosure based on state and federal statutes.

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 08-02-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: experian reports XXXX enhanced recovery co, on my credit report.it is my only negative. 
experian and their furnisher refuse to report accurate and complete information.i believe this is the XXXX of multiple cfpb and experian investigations on this account within 2 months. 
todays report pulled on a 3rd party experian product displays in bold print the following untrue damaging information. " legally paid in full for less than the full balance '' the original amount is XXXX, I paid XXXX on XXXX/XXXX/16. I demand that the report reflect this recent payment/amount pd of XXXX AND THE ORIGINAL AMT OF XXXX. 
CREDITOR LETTERS ATTACHED THAT ADMIT THE ABOVE.you have been allowed much more than 30 days to report accurately according to FCRA ... THE ERRORS IN THIS INVESTIGATION AND THE PRIORS SEEM INTENTIONAL WHICH LEAD TO A MUCH MORE SERIOUS FCRA VIOLATION/PENALTY.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I wrote to the comp any 3 times ( 2 ti mes by email (   XX/XX/XXXX   &   XX/XX/XXXX ),   they responded that they ca n't discuss via email ) So I sent an actual letter by mail on   XX/XX/XXXX   regarding a derogatory/collections item that I discovered on my credit report.  <P/> This refers to my  XXXX  account #  XXXX , loan date   XX/XX/XXXX ,  23 month term, that I believed, and also had received email confirmation that this was paid off  on  XX/XX/XXXX .   <P/> My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for   XXXX   off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.  <P/> This loan was paid off as  of  XX/XX/XXXX  which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be u ntil  XX/XX/XXXX  . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.  <P/> After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.

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 05/23/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Billing disputes

Complaint: In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: The Mortgage company which is servicing my loan is doing the following to trigger this complaint- 1. I use their automatic telephone payment system and have been paying additional amount, over and above my regular payment so that the additional payments are applied towards my principal. Additional payments were always applied to reduce my principal. 2. However in the month of XXXX the additional {$2000.00} I paid were not applied to reduce my outstanding Principal but were left as unapplied partial payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation