milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I became a Client of Nationstar mortgage thru a transfer involuntary because XXXX sold it to them.XXXX XXXX XXXX. I din not refinance with them nor sign any documents.upon applying for a reverse mortgage.IT WAS ADVISED THAT I HAD DONE A REFINANCE WHICH IS FALSE PUTTING A 50 LOAN ON THE PROPERTY .WHEN THE SALE TO NATIONSTAR.I HAD ONLY 10 YEARS LEFT ON THE MORTGAGEWHEN I CALLED NATION STAR TO LOOK AT THESE DOCUMENTS FOR A REINANCE. THEY FAILED TO SEND ME COPIES OF THESE DOCUMENTSAS WELL THAN SENT THE CREDIT BUREAU ERRENOUS INFORMATION REGARDING MY PAYMENT HISTORY TO AVOID ME FRM PROCURING A NEW LENDER ANR OR OBTAINING A REVERSE MORTGAGE. I PURCHASED THE HOME OVER 20 YEARS AGO WITH XXXX .NO LATE PAYMENTS.THEN BE TRANSFERRED TO NATION STAR AND HAVE BEEN FRADULENTLY HAVE ON RECORD A REFINANCE THAT I WAS NOT AWARE OF.IN ADDITION MY XXXX A WEEK Apart and I was left with XXXX XXXX ca.during my XXXX A COUPLE MAI AND HER HUSBAND STATED THEY WERE UNABLE TO OBTAIN FINANCING DUE TO THEIR BEING IMMIGRANTS FROM XXXX XXXX BECAUSE I HAD THE PROPERTY ON XXXX XXXX CA OF WHICH I WAS ALLUDING TO REGARDING XXXX TRANSFER TO NATIONS STAR AND BEING A XXXX. I WOULD ASSIST THE XXXX IN PURCHASING THE XXXX. XXXX CA. 
THEY PAID THE AGREED MORRTGAGE PAYMENT FOR 1 YEAR.I SENT SEVERAL PHONE CALLS AND LETTERS OF WHICH THEY NEVER ANSWERED.I CONTINUED TO PAY THE TAXES FOR SEVERAL YEARS AND THEN AFTER DISCOVERED THEY HAD A RESTURANT ON XXXX OAKLAND. 1000 FEET FROM THE XXXX.AND UNBENOWEST TO ME HAD A REAL STATE LICENSE. XXXX AND NOW IN XXXX CA. AS WELL AS FOR YEARS HAD THE PROPERTY XXXX.XXXX CA XXXX ON XXXX WHEN THEY HAD STOPPED PAYING ME AND LISTED IT AS HAVING PAID ME IN FULL WHICH WAS FRADULENT.I AM A SENIOR HAVING HAD XXXX AND SEVERAL EPISIODES OF PENDING DEATH. ENOUGH IS ENOUGH.I AM ALMOST XXXX YEARS OLD. I NEED THIS FRAUD ON XXXX AND XXXX INVESTIGATED. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This has been removed from my record, this was a LNI that got wrongfully billed and paid

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by Bank of America to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response or proper resolution

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received a copy of my   XXXX   credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry.   If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Settlement process and costs

Complaint: My mortgage company informed me of a balance of XXXX + fees on my mature loan XX/XX/XXXX. I have had contact every week with Ocwen since XX/XX/XXXX.Litton Loan turned my loan over to Ocwen XX/XX/XXXX.Ocwen is pushing for me to Modify loan without explaining fees and balance. I requested and received a payment history with dates and figures scattered out of chronological order-XXXX pages to be exact. I color coded dates/figures to find out why Litton and Ocwen has charged me late fees during forbearance agreements that they set up. I thought HUD was my protection against any agreement to charge fees that was not written? There are at least 3 years worth of forbearance agreements with late fees for each month consecutively. In addition, an average of XXXX lockbox fees are on each of the XXXX pages, plus prior servicing fees that no one can explain. My case is now being looked at by Ocwens research dept. Did Litton set me up to accumulate fees on purpose? Are there systems that out of date that a mistake was over look? Ocwen had their Ombudsman look at my initial concerns and said there was no errors found. Basically, XXXX XXXX Office of the Consumer Ombudsman sent a copy of my original loan plus a modification packet for me to modify loan. To date Ocwen will not take any monies except for the amount I mentioned. Do I have any HUD protection?

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Debt collection (Mortgage debt) with Seterus, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I filed for bankruptcy ten years ago. This company acquired a mortgage that was cleared in my bankruptcy case ten years ago. Firt they reestablished the debt on my credit report as a new dept. when i called them they told me i had to pay them regardless of the bankruptcy. Now they issued me a XXXX  for income. According to them since i didnt pay this ten years ago they want me to report it as income. This is the second issue with this conpany. Im working towards repairing my creidt theae people continue to aet me back. The debit cleared by the court was not income i never recieved money in my pocket this was money paid from one mortgage comapny to another. Please help me to get this XXXX  reveresed and get this comapny to leave me alone. They causing me extreme distress in a chapter in my file that should have been closed for years now.

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 11/19/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email. 
They have also been contacting my family. Giving false info and sharing my debt information.

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 09/15/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: I have a prior CFPB complaint against Wells Fargo. that was filed in XX/XX/XXXX ( CFPB Case # XXXX ).  This saga continues unresolved. 
Wells Fargo is the second lien holder on my property. They told me once my first lien is modified by XXXX XXXX under HAMP & Making Homes Affordable,  Wells Fargo would follow suit, per Second Mortgage modification Program ( 2MP ) as obligated by Servicing Program Agreement ( SPA ) signed by Wells Fargo in XX/XX/XXXX with the Treasury Department. Now they refuse to live up to their obligation. 
Second Mortgage Modification Program ends on XX/XX/XXXX. They have been stalling since mid XX/XX/XXXX to  exhaust this deadline. They are required to " mirror '' the 1st lien holder 's Modification terms, and since my property ( in Florida ) is severely underwater, forgive part or all of the principal ( per Making Home Affordable agreement ).
Every phone call and follow up with Wells Fargo is costing me an additional 15 days for them to respond. PLEASE DO NOT EXTEND THEIR RESPONSE TIME.

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 Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I tried to open up a business account and I was approved and then they were asking for other information that wasnt pertaining to the type of business that i have. I have a consulting business that consists of services for consumers to learn how to clean their credit for free and how to find their ancestors. They company repeatedly kept asking me for a description of the business and i would send it over and over. Then they sent a statement stating that i had requested business credit and I have never requested business credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, Equi-fax, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NJ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX  across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with CITIBANK, N.A. (CA).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX TO : Federal Reserve Bank Consumer Financial Protection Bureau FR : XXXX XXXX XXXX RE : COMPLAINT - Citibank Lending Practices Unethical I opened a Home Equity Line of Credit ( HELOC ) with Citibank on approximately XX/XX/XXXX. My first mortgage was also with them. One of their requirements was to open a checking account ( Checking Plus ) and an overdraft line, along with the Home Equity Line. I resisted as there was no need for a separate checking account, but Citi insisted I have it. 

My condominium was refinanced through XXXX XXXX in approximately XX/XX/XXXX. My Citi first mortgage was paid off at that time. 

The HELOC stayed open and I continued to pay it down. 

When the property was sold on approximately XX/XX/XXXX, escrow requested clarity on the HELOC. I agreed to pay off the HELOC myself, outside of escrow. That payoff was completed on or around XX/XX/XXXX. 

I called Citi and requested that ALL accounts associated with the HELOC. That would include the Checking Plus. 

On about XX/XX/XXXX, I received a statement with {$10.00} owing for the Checking Plus account. I was under the impression they closed this in XX/XX/XXXX, and called Citi again. I paid the fee in a Citi branch ( XXXX XXXX XXXX, along with a verbal complaint. I have a receipt showing that the account was closed. 

On XX/XX/XXXX, I received a notice via text that I owed {$170.00} for the Checking Plus service fees. Again I called and understood all accounts had been closed. 

On XX/XX/XXXX, I went into the local Citi branch again to complain and tell the whole story again. I spoke with the Branch Manager, and she told me she would research it. When she got back to me several days later, she stated that I closed the regular checking, but failed to close the checking plus. They also insisted on payment of the {$170.00} to proceed with closure. 

Citi also reported adverse credit information to the credit bureau. They have since refused to fix the adverse credit information. 

As I researched the {$170.00} in fees, I saw that in XX/XX/XXXX nothing was owing. In XX/XX/XXXX, it showed {$65.00} in checking and {$100.00} in overdraft. I NEVER used these accounts and they should have been closed multiple times. 

This has been a maddening experience, causing me hours and hours of time and trouble. I have called multiple times, and made 2-3 branch visits to try and rectify this. I also want all service fees ( minimum {$170.00} ) refunded to me ASAP with a corporate apology. I want all adverse credit info removed ASAP. They are an unethical bank with very poor customer service. 

Very Sincerely, XXXX XXXX XXXX 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 06/16/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened a credit card with XXXX/ XXXX XXXX bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or XXXX ago. MCM midland credit management ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (MD).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred to Selene Finance company from XXXX XXXX XXXX as of XXXX/XXXX/16. My payment history was sent to Selene Finance with my payment history showing I was current as of the day of the transfer. I received my first statement from XXXX stating that I was XXXX plus days delinquent on my mortgage. I have contacted XXXX requesting them to send a copy of my payment history to Selene and myself. XXXX acknowledged that they have sent Selene a copy of my payment history as I have done so myself. I have spoken to Selene and they say they have no record of my payment history. On XXXX XXXX 2016, I mailed a certified letter to Selene Finance complaint department a copy of my proof of payment proving that I am not delinquent and to correct my payment history, remove interest that has accrued as well as report it to the credit bureau to have the delinquencies removed from all three credit bureaus. Selene Finance has sent me a letter stating they have received my certified letter and that by law they have 30 days to respond and are investigating the matter. I have researched Selene Finance on the internet and I have discovered that Selene Finance has a negative history especially claiming that they have not received payments from clients in order to force the clients into foreclosure. Fortunately I do have bank records proving that payments have and all being paid. I do no plan to become another victim of the scams being done by Selene Finance. The XXXX currently gives Selene Finance a rating of " XXXX '' and for good reason. I am requesting that Selene correct my payment statement and to notify all XXXX credit bureaus to have this remove from my credit record as I have mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (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: On XXXX XXXX, 2017 I received another alert on my credit report about a late payment to CHASE CARD SERVICES. Last month this bill was sold to a third party vendor, so how is it possible that CHASE is still reporting to my credit reports? This false reporting is damaging my credit score. 
I have filed a complaint before and company said it sent me a letter. They company has 30 days by law to respond to validation letters, it has been over 4 months, and I sent another out last week. I received no letters from Chase, however I received ( attached ) a settlement offer from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Payday loan debt) with Bronstein & Weiss Arbitration (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 06/18/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.

Company response to consumer: Closed with explanation