milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: I have a mortgage with nationstar. last year, they ( greenlight loans ) pestered me to refinance. they do this by first emailing you, then sending letters, then calling. i wanted to refinance so i began the process. ultimately, they promised a rate lock of 4.125 %, but it slid up to 4.375 % based on ltv ratio and subjective interpretation of fico scores. eventually they denied my application, even while i still have a loan with i think what is their parent company. 

it started all over again this year, about the same time. ultimately, now all paperwork is completed except they are waiting for a subordination agreement with XXXX who holds a second. this waiting has been since late XXXX or XXXX XXXX when i challenged them to push XXXX to get it done, they said their protocol is not to pester lienholders. i bought down from XXXX to XXXX with about XXXX point, or $ XXXX. the rate lock agreement expires XXXX XXXX what i see now is that most likely they are waiting for the agreement to expire and then raise the rate. this sounds like a scam to me to suck you in early on and then jump the rate when you are exhausted and tired of waiting. i could have gone with a legitimate firm had i realized what was going on. i would really like you to investigate these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been participating in the Short Sales Process with Wells Fargo over a year and half. 
I have submitted all paperwork requested by Wells Fargo and have lost multiple buyers due Wells Fargo stalling us and refusing to bargain in go faith. I just been informed by my realtor that they have decided to withdraw my request to sale my home in the Short Sale process and just foreclose on my property. we have sent multiple offers to them and have received nothing but request of more paperwork that was already sent to them.

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 11/27/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Student loan (Non-federal student loan) with Genesis Lending (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've been faithfully paying to Genesis lending since I was enrolled in school, monthly. I made sure my payments were always on time so my credit would n't go down. I then found out that the school I attended was closing, and my private loan was being sold to another company. Even though I 've still been making payments, there is no history of my previous ones to Genesis Lending, nor has it been reported to credit bureaus about on time payments. I do n't understand why I still need to make payments if this was a scam and the school forced this loan on me.

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 08/24/2016 about Debt collection (I do not know) with Direct Recovery Services, LLC (OR).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.

Company response to consumer: Closed
Consumer complaint received 12-01-2016 about Student loan (Federal student loan servicing) with Windham Professionals, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan started at about {$35000.00}. I consolidated the loan to lower my monthly payment. Then, I could not make my monthly payment. My business failed.So I had to file for Chapter XXXX re-organization and I did pay every one back. I wanted to paid the student back but the late fee 's and Late Interest Fee 's ballooned to {$40000.00}, {$50000.00}, {$60000.00} ... ... .. to now {$140000.00}. 
Plus according to XXXX XXXX they are adding about {$4000.00} each month until I am out of default. I think it is unreasonable for me to pay {$3000.00} per month on a {$35000.00} loan. 
Even if I paid {$500.00} per month back. I would never be able to pay this loan back. If I paid {$4000.00} a month back it would take me over 27.5 years to pay it off. I am XXXX XXXX XXXX today. So I could complete my outstanding debt at age XXXX at {$4000.00} per month. Please help reduce these Fee, s, Fines, High Interest Rates. 
I am willing to paid back what I owl but without over {$100000.00} in penalities. 
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 non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX XXXX  and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/ at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/ this had gone on far too long and my credit was ruined and my house is in foreclosure.

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 01-08-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am going to upload a XXXX page letter I sent to XXXX XXXX, who represents Ditech, my lender, and they have announced foreclosure auction on XX/XX/XXXX!!!!! Need Division of Banks to call Ditech at XXXX IMMEDIATELY to ask for a 60 day postponement of the sale, since it is now 7 business days before the Auction. 
Ditech address is XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX Account number is XXXX my address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and my email is XXXXXXXXXXXX, my phone is XXXX or XXXX. 
I need to know RIGHT AWAY if Ditech will agree, I faxed them a complete copy of my letter and XXXX documents to XXXX XXXX, their lawyer, on XXXX/XXXX/XXXX at XXXX XXXX. 

I had a predatory loan through XXXX that I believe is INVALID XXXX does NOT own both the Note and Mortgage, as Ditech says, and can not therefore foreclose The notice of default is defective, sent by Ditech rather than the XXXX Order of Notice under Servicemembers Act is over one year old XXXX, through Green Tree, has waited more than 5 years to foreclose since our last paym, ent XX/XX/XXXX I want a Temporary Restraining Order for 60 days so I can further investigate the unfair and deceptive practices of all lenders, banks and attorneys. Please see XXXX documents. 

XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Sent a letter with my drivers license, social security card, and utility bill for verification of my correct address and requested removal of old addresses as they are inaccurate and there are ones I have never lived at. My response from them was a phone number deleted on  X/XX/XXXX   . My credit report has inaccurate information and I would like to get this resolved. It still has my ex wife as my spouse. We were divorced  XXXX . As well as phone numbers I never had. I included the report I got from Experian. Thank you for your 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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I applied for my free credit report on XXXX/XXXX/2016 from XXXX, XXXX, and TransUnion, but I only received a report from XXXX. I applied on line and have not yet received an XXXX or a TransUnion credit report

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 02/27/2016 about Debt collection (I do not know) with Credit Protection Association, L.P. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. 
We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. 
Can you help us?

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Consumer Loan (Installment loan) with BlueChip Financial (WA).
Issue: Problems when you are unable to pay

Complaint: Collector Spotlaon called threatening appearance before a Judge and an arrest warrant.

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 04-08-2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (GA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I submitted a payoff to XXXX XXXX XXXX XXXX XXXX. This payoff was evidenced by a filing via a UCC 1 Financing statement recording File no. XXXX. I submitted payoff via mail and sent copies of payoff via fax, email and certified mail. To this date XX/XX/2018 XXXX XXXX XXXX XXXX  XXXX has fail to credit my account and continuesbto bill me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They called me on my wife 's phone, I told them to send me something in the mail, then somehow they obtained my work number and call me there without permission!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with GreenSky Trade Credit, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SUMMARY OF EVENTS ( Please see Appendix for more detail. )   XXXX   XXXX   XXXX   was hired to replace  5  double hung windows and  1 pic ture window.  XXXX  installed the 5 double hung windows however the correct picture window was ordered incorrectly by the company. The company scheduled an install date for the correct picture window however  XXXX  went bankrupt before the installation took place.  Green Sky  financed the job and is trying to collect the full debt although the job was never complete. I 've gone through the proper steps to dispute this debt ( twice,  Green Sky  lost it once  ) with Green Sky  because they are aware of  XXXX  's closure. They " reviewed '' the dispute and denied any correction. They never provided verification to proof the debt and they are reporting my debt to collections even though it is under dispute and they have been notified by my lawyer of their representation.  <P/> As you can see in the attached References - the total cost of the window installation was {$7200.00}  (  REF 'A ' ).  Reference 'B '  illustrates the upcoming planned transactions outlined by  XXXX   .  The plan was followed correctly and the down payment of {$720.00}  ( 1 0 % of  XXXX  ) was made on  XX/XX/XXXX  ( as shown on  REF 'C ' ). T he first GreenSky transaction was to take place at the time of " Scheduling '' ( as shown on REF 'B ' ).   As you can see, the transaction took place on  XX/XX/XXXX  ( REF 'E ' ).   The final transaction of {$2800.00} was to take place upon " Installation '' ( as shown on REF 'B ' ). As you can see, the final transaction was {$1600.00}  ( not {$2800.00} )  and took place on  XX/XX/XXXX  ( REF 'F ' ).  XXXX   XXXX , Supervisor at  XXXX , negotiated {$1000.00} off of the total purchase price as a result of the FIRST failed attempt on ordering and installing the correct picture window. There was an additional {$200.00} reduction ( total of {$1200.00}  )  because we opted not to wrap our window sills in aluminum.   {$2800.00} - {$1200.00} = {$1600.00}  (  REF 'F ' ). This is the final obligation of funds even though the work was not completed again on  XX/XX/XXXX  on the second attempt of installation ( REF Eve nt 7 ).  The third installation attempt was scheduled for  XX/XX/XXXX  ( REF 'G ' ). This event never took place and we were notified on  XX/XX/XXXX  of  XXXX  's apparent closure. The correct picture window was never installed by   XXXX   XXXX   XXXX   because the company went bankrupt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I started receiving alerts on my Experian credit report and noticed that there were inquiries that I do not recognize. As I researched the inquiries I noticed that they are from banks for auto loans. I already have a car that 's paid for, so there 's no reason for me to apply for auto loans. I ask that this issue be investigated. If you find that these inquiries do not belong to me, I DEMAND that you delete them immediately. If these inquiries come back verified then I DEMAND PROOF of verification because I never authorized these inquiries. The inquiries needed to be removed are : Credit acceptance XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 01-02-2016 about Credit card () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Other

Complaint: Navy Federal has reported an incorrect amount to XXXX and XXXX. Navy Federal reported I owe XXXX as of XXXX/XXXX/15 and that is incorrect. The correct balance that is owed is XXXX. I have sent several complaints about Navy Federal and Navy Federal keep messing up my credit by reporting wrong information. Navy Federal should be held accountable for continuing to mess up my credit report and score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AR).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit. 
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now! 
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either. 
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.

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