milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a mortgage loan from US Bank. I was pre-approved with a XXXX XXXX of XXXX and income over {$150000.00} per year. At the last minute, after XXXX extensions, my loan was declined due to litigation against the HOA of the property I was purchasing. When I received my denial letter, it stated I was denied due to my income and credit report. They even included the credit report of XXXX with the denial ... .. I have been requesting a letter for the correct denial since XXXX/XXXX/XXXX. US Bank will not send me a correction. I am in need a correct letter to file suit against the realtors and owner of the property.

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 10/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A few issues : # 1 I 've provided the proof to the bureaus that they are reporting this bankruptcy inaccurately by sending the credit report and nothing has been corrected. 
# 2 I also requested the physical docs that were used to verify these items that i am disputing and received nothing. These are made available to me under section XXXX as well as that said section states that the bureaus must have the physical docs in their possession in the files prior to reporting them to make sure that they are accurate which they apparently do NOT have. 
# 3 items were reinserted onto my report after being removed and I was not notified of these reinsertions within the required 5 days ' time frame ( was not notified AT ALL ) which is a violation of section XXXX and they must be removed immediately. 
# 4 I 've also received letters stating that no investigation will be done when I have clearly outlined what is inaccurate. This is a violation of section XXXX, whereas XXXX states that once I notify the credit bureaus that they are reporting something incorrectly they must investigate. They also state that they must reinvestigate and go beyond the original source of information ( creditor ) to ascertain that the accounts are reporting correctly. if they had the documentation, we would not be in this situation, would we? XXXX also states that the burden is on the bureaus and creditors to prove they are reporting this correctly - it is NOT on me. 
I 'm including my letters in the attachments, as I stated. These clearly outline my disputes in regards to the inaccurate information on my credit report. 
I am including my dispute letters which clearly state my disputes.

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 05-04-2017 about Checking or savings account (Other banking product or service) with Prosper Marketplace, Inc. (WI).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am a   XXXX   XXXX   in   XXXX   XXXX   to   XXXX   XXXX  . Today (  XX/XX/XXXX  ) they sent out a generic email stating there was an account update and to log in to see it. Upon login, a small window opened saying that they had made an unspecified error in calculating returns and that our account should now show correct information. When I closed the window there was no way to view the message again and no further explanation to be found anywhere on the site.      Prosper  does not provide return calculations on their statements, so I have no way to show what the provided return was at any given point in time. However, I texted my father on  XX/XX/XXXX  that my return was 16.81 % as provided by  Prosper. Upon logging in today, my return is shown as 9.42 % Prosper has been routi nely, and I suspect knowingly, overstating returns for years. At no point since I first invested in the platform in   XXXX   has my return been stated at or below 9.42 %, whereas  Prosper 's   restated returns show many years with a return under that amount. I follow the peer to peer investor community forums and I am not the only person experiencing this today, virtually everybody is reported returns restated to lower values.     Finally, becaus e Prosper has r ecently removed the ability to sell notes on a secondary market, there is no way to liquidate my investments with them. I simply have to accept my new, lower returns and slowly pull money from the platform as time goes by.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.

Company response to consumer: Closed
Consumer complaint received 06/26/2017 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: National credit systems failed to validate The debt that they say I owe. I have sent them a letter on XXXX XXXX, 2017 for validation of that section 809B fair debt collection practices act and it has been over 30 days and they still have not responded. XXXX XXXX on XXXX XXXX, 2017 excepted The certified mail on behalf of national credit systems. So I have proof that they got the letter but they are refusing to validate the debt within the 30 days and no response from them. Therefore this negativity should be deleted from my credit report XXXX XXXX XXXX. National credit systems is Breaking my right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I am a current XXXX XXXX who has been trying to place my loans in XXXX XXXX forebearance. I have called to my loan servicer, Navient, numerous times to provide the appropriate paperwork. They have also confirmed that this paperwork is not something I can download but rather they need to produce and either electronically send to my inbox or mail. 

Months have gone by and I still have not received the appropriate paperwork. Meanwhile, I have been having to pay fees due to the fact my private loans still are not in XXXX XXXX forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account has been dilquent past the 7 year mark. I allegedly opened this account as a student for a student loan. I believe this was predatory lending because I was under the impression that all my loans were under the Department of Education. The representative at Bank of America stated that this loan was based on my income and when I asked what income I wasnt working she couldnt provide any information. At the time I did not know what I was signing and was misled by Bank of America. In addition this loan was sold by XXXX Bank of America to another department in Bank of America in XXXX but has been dilenquent since XXXX. I asked the company to show proof that I made a payment which ai didnt because I didnt recall the loan intitally because I thought all of my loans were all in consolidation. The account is still on my credit report and it should n't be.

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 09/21/2017 about Debt collection (I do not know) with National Check Resolution Inc. (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an case filed against me that included " malicious intent. '' and " check fraud ''. I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.eceived a call from " XXXX XXXX '' at NCR. He left a voicemail stating that he is calling regarding an " allegation that has been attached to my name as well as my social ''. He then stated in the voicemail the last 4 digits of my social security number and said " at this point in time the allegations have already been substantiated. '' Then said he was calling to see if I wanted to resolve this matter " outside of the legal system. '' I called the phone number back recording the phone call in the process, and spoke to the same person that left the voicemail " XXXX XXXX. '' He made me verify my date of birth before discussing what the issue was. He had stated that he was calling regarding an allegation made against me by " XXXX '' that included " malicious intent. '' I then asked if he was attempting to collect a debt ( he did not state this ahead of time ) to which he replied " Yes. '' I asked for validation of the debt, to which I received via email that stated I owe {$770.00} to " XXXX XXXX XXXX XXXX '' and the original creditor is " XXXX '' I believe this debt collection practice is illegal, and that the debt is invalid. I responded to the email stating I dispute the validity of the debt and requested documentation showing they have verified I am responsible for the debt and that they are licensed to collect debts in the state of Ohio. I also requested that they cease contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A fraudulent account is appearing on my Equifax credit report. I believe I 'm a victim of identity theft and have disputed this account with Equifax. 
Equifax refuses to remove this account from my credit report after numerous dispute attempts. 
The company that is reporting this information, XXXX XXXX Bank XXXX, account number XXXX has been rude, unprofessional and unhelpful in my attempts to figure out why this is appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with UNIVERSAL TECHNICAL INSTITUTE (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to a XXXX school in AZ almost 8 years ago. At the time I was promised employment that would cover the astronomical cost of my loan. Today, I am working a barely above minimum wage job as a XXXX. While, I understand education costs, the cost of my education will in no way will be recouped from my job. The education I received did not give me a leg up, has not furthered my pay, and is outrageously expensive to what I am getting in return. I feel I was conned and now have a debt that is in surmountable for me and my family. Not to mention my mom had to also take out loans to further cover the cost of my education. Over {$50000.00} in to be an XXXX making less than {$15.00} an hour. I have tried other positions over the years just to try and make ends meet. Being a XXXX is truly what I want to be, and am finally working with a company that is " training '' me ( even after all my schooling at UTI that did not matter ).

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: We have had nothing but problems with Nationstar Mortgage. They have inappropriately initiated foreclosure on our property twice, are never reachable by telephone nor do they return calls, e-mails or messages sent via their website. Payments were refused and returned to my bank by Nationstar Mortgage despite the fact that our modification paperwork had been approved, then we are told that something was missing and it is denied without notification to us. It took me filing a complaint with the BBB to get a phone call ( just before the BBB deadline to reply ). The person I spoke with said our modification documents did not have the notary seal on th em ... Yes, they sure did. Said the y would have our documents pulled and review to see if the seal was on them and call me back. Took me several more phone calls and messages over several weeks to get a response and finally I received a voice mail that the documents were pulled and that they did indeed locate the notary seal and that they would see what they could do to " push '' the modification through. I received a call stating  that 4100+ ( n ot the exact amount ) was required to bring us current through  XXXX  and they could then book the modification. I sent in  XXXX  and it appears the payments were all posted as separate monthly mortgage payments made on the same date in  XXXX    XXXX   so it does lead me to believe that th ey may finally  be getting our mortgage modification booked as they said they would. I do not believe we should be responsible for the interest that could have been saved had our payments posted and not been returned/refuse d by Nationstar when  we made them in  XXXX ,  XXXX  and  XXXX    XXXX  . They have also tacked on legal fees that should not be our responsibility. I am a nurse and am a pretty understanding person. I am not a sue happy person, however this company is really doing society wrong. If I could afford a lawyer, I am 99 % confident that I would own my home without any further mortgage payments ... in fact Nationstar would probably end up owing me ( along with many other customers they have ).   Today when I logged on to Nationstar 's website, I noticed that a sample statement which is supposed to explain to customers how to read their statement has an actual property address listed. When I looked up the property address via google, it is currently for sale and given the list price, the payment amounts on Nationstar 's " sample '' statement could certainly be realistic. Given all of the errors Nationstar has made with our account and apparently many other customers based on BBB reviews and google searches, I truly have to believe that this " sample may really contain actual payment/late payment information about the actual property address listed below the amount due.   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with SYNCHRONY FINANCIAL (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Synchrony Financial checked my credit without my authorization. On XX/XX/2017, I sent them a letter on requesting they remove it. Their response was to send them a current copy of my credit report and they will contact 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 07-03-2017 about Debt collection (Other debt) with Prince Parker & Associates (TX).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I called the collection agency Prince Parker associates located in NC regarding my bill of {$900.00} from XXXX XXXX XXXX XXXX XXXX. I tried to come to a compromise with them on how to address the debt and that I can afford to pay $ XXXX monthly until it 's paid off. The collection agency refused and insisted on collecting $ XXXX monthly. They said that the account will be reported and wo n't work with what I can afford. I told them that I no longer have a full time job and that I would like this account to be resolved before it gets reported to credit bureaus. The lady refused to work with what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: We sold a house in XX/XX/XXXX in the state of Texas. We also filed for bankruptcy in XX/XX/XXXX. 
While the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (IN).
Issue: Trouble during payment process

Complaint: LoanCare purchased our mortgage from  XXXX   XXXX . Apparently they did a customary Escrow review and determined it was too low so our payment was raised. We were not informed.  LoanCare has admitted over the phone they failed to inform us. Therefore, our payment was about {$60.00} per month short. LoanCare accepted the auto draft p ayment from our bank, while considering our  XXXX  and  XXXX  payments to be late. We were informed of this by letter dated  XXXX / XXXX /  XXXX  . When we received that letter, we immediately called LoanCare on  XXXX / XXXX /  XXXX  . Spoke to female agent who stated that account had been reviewed and LoanCare was aware that we hadnt received notification of an increased payment. Agent removed late fees from  XXXX  and  XXXX  since it wasnt our fault and we made a payment over the phone to bring account current in the amount of {$150.00}. Again, we asked if the mistake would impact our credit, was told no it wouldnt since it was an error on LoanCares end and no further action would be required. The  two payments are on our credit report which has prevented us from securing financing for purchase we need to make. Each time we call LoanCare, we are told this is being escalated.

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 02/21/2016 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Application, originator, mortgage broker

Complaint: VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation