milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CO).
Issue: Application, originator, mortgage broker

Complaint: We have been customers of CitiMortgage for ten plus years and our current mortgage and HELOC are both serviced through them. We had done a refinance approximately five years ago to obtain a lower rate and the process was seamless even though the industry had tightened up due to the housing market crash. Recently we decided to refinance again combining the current mortgage and HELOC and because of our history with CitiMortgage, we decided to go through them again. On XXXX XXXX, 2015, I called and spoke with XXXX XXXX and began the process. While there are several customer service issues with our attempt to refinance XXXX which l will not go into at this time ), the first and foremost complaint has to deal with our lock. We were locked in a rate of 4.375 %, receiving a credit of {$1100.00} expiring on XXXX XXXX, 2015. As of today XXXX XXXX, 2015, we still have not been contacted by CitiMortgage regarding our expired lock. In fact on XXXX XXXX, 2015 at XXXX, I had called our loan processor XXXX XXXX XXXX and advised her via voicemail ( she does not answer her phone and or return phone calls ) that XXXX and I have decided to withdraw our application. However XXXX XXXX had not checked her phone messages, but instead sent me an email stating that we were final approved and the closing department would call me in the next 48 hours to schedule a closing time. I in turn replied to her email stating how could we be final approved with an expired lock? XXXX XXXX XXXX replied that our lock had been extended. Here lies the problem, I am unclear as to how CitiMortgage can take the liberty to extend our lock without our consent especially since refinance mortgage rates have dropped to 4 % -4.125 % with no points? It seems to me that this would fall under the category of full disclosure to the borrower, which in this case appears to have been violated. In addition, with the " new '' lock expiration date our daily interest charge continues to accumulate, this again is a mortgage loan being serviced by CitiMortgage. 
We have paid our mortgage payments on time, and have been loyal customers of CitiMortgage, but this process has been a nightmare. I have had to put off applying for student loans ( I am in the process of earning my degree ) not to mention the time that has been taken to deal with this, something that could have been avoided had CitiMortgage communicated with us. CitiMortgage has taken advantage of us and we feel violated by their underhanded dealings. We are requesting they refund us our appraisal and credit fees as they did not do provide the services promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection from my former place of residence has been placed with ProCollect. I have a Police Report as well as copies of stolen payment that were provided to ProCollect via regular mail and email to the representative that has continued to call my cell phone and try and contact me wanting payment for a debt that is invalid and they refuse to provide documentation for. 
A copy of a police report, as well as copies of the stolen XXXX XXXX payments, were mailed to this company. After being told by a XXXX XXXX that this documentation was not received and I should email it, I did that as well. Given that I am still receiving bills for {$830.00} in the mail and phone calls, this company clearly has not taken any action other than ignoring the documentation that was provided. 
I do n't appreciate the phone calls. I do n't appreciate the complete lack of documentation that this company has been able to provide regarding validating the debt. I especially do n't appreciate the fact that I have sent personal documents on two separate occasions and this company has yet to acknowledge that they even received 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 03/28/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have a charged off account ( XXXX ) that is scheduled to come off my report on XX/XX/2017 according to Experian. I have credit reports records for the last five years and they all say THis Account is scheduled to continue on record until XX/XX/2017. I asked for the account to be removed the beginning of XX/XX/XXXX via dispute but when I got the results Experian states that it will be removed on XX/XX/2017.

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 01-12-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Trouble during payment process

Complaint: I recently received a surplus check from Mr. Cooper in the amount of XXXX due to an escrow analysis completed on XXXX/XXXX/XXXX. The analysis to did not make sense to me so I went on their website and it now said I had a shortage. I called the company and they told me that an error had been made and they had put a stop payment on the check. When I asked how this happened the representative said they did not know. They also said I was probably sent an email. They did not notify me or send me a notice of the error via email or phone. I have however received offers to refinance almost daily! I have also sent a company this information via their website. I am now have serious questions on the legitimate calculations and processing of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Trans Union left it on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested verification of the following account that Equifax continues to report on my credit file : US Bankruptcy-XXXX # XXXX. Equifax listed XXXX, XXXX, GA XXXX as the source of their verification on XXXX. On XXXX I directly called XXXX at XXXX, the number that is listed on my report. I spoke with XXXX and she informed me that as of XXXX a security freeze was placed on my account. I have attached a copy of my security freeze confirmation letter that I received from XXXX showing the date of the confirmation. XXXX confirmed that the freeze was set into place as of XXXX. XXXX stated there is NO inquiry from Equifax showing on my XXXX or mode of verification from XXXX to Equifax showing on my XXXX credit file. XXXX also stated that XXXX DID NOT verify the verification that Equifax shows as reported on XXXX. I demand that this public record US Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date. XXXX agents assured me that Equifax 's so-called verification on XXXX WAS NOT REPORTED BY THEM BECAUSE XXXX FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All that has been sent is a XXXX address and a statement saying " the account is verified. '' I demand that this unverified account : US Bankruptcy-XXXX # XXXX is permanently deleted from my credit file because XXXX DID NOT disclose information on accounts with a security freeze placed on them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX is currently reporting in XX/XX/XXXX and XX/XX/XXXX that i am paying late on a closed paid account since XX/XX/XXXX, they are reporting lates to XXXX and XXXX currently which just caused a problem with my current job due to it showing deliquients in XX/XX/XXXX and XX/XX/XXXX, i am no longer liable for account and requesting account be deleted corrected asap there should be no new reportings on this account at all, i have received any communications from Nelnet at all, especially adding new entries of late pays in XX/XX/XXXX and XX/XX/XXXX ... i have attached my XXXX report showing Nelnet inaccurate reportings ... .Please remove asap this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A tax lien appeared on my credit report and I disputed this information, the credit bureau ( Experian ) stated they investigated the dispute and the information was verified and remained on my report, however I contacted the local Clerk of Courts office and they could not initially find anything and then was able to locate something which was from XXXX, in XXXX I paid all outstanding business taxes and received a letter ( provided to Experian ), neither the Louisiana XXXX or XXXX office is claiming to have provided this information to the credit agency ; so I 'm not sure who they verified this information with, this lien would have been part of re-aging, since the lien was reported in XXXX ( 16 years ago ) ; this information needs to be removed from my record, as I 'm told this debt is written off and the credit agency is indicating this debt to be current as of XXXX, which is incorrect, and has caused me issues with getting a loan. Also, I have never lived in XXXX, LA -- -this also showed up on the report at the same time as the lien.

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 10/13/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Trouble during payment process

Complaint: I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There was an unauthorized inquiry performed.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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   dob   XX/XX/XXXX  SS #  XXXX   X/X/XXXX  Transunion and    XXXX   and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my  XXXX  account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a   XXXX   balance.

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 12-02-2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in bankruptcy which I filed in XXXX. I have spoken with the Clerk at the bankruptcy Court where I filed and she informed this debt was " Paid in full '' before the bankruptcy was dismissed in XXXX. I have informed Ally Financial of this and I have faxed the information showing " Paid in full '' to them which was provided to me by the bankruptcy Court.

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 09/22/2015 about Credit card () with CITIBANK, N.A. (VA).
Issue: Payoff process

Complaint: I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My home that I have owned for 18 years is scheduled to be sold at foreclosure on XXXX XXXX. Even though I have an FHA loan and sufficient fixed income, my mortgage servicer Nationstar is refusing to give me any options or agree to work with me to resolve this matter. They bombard me with collection calls telling me I have to pay them, and believe me I have tried to resume making payments to them. But when I go into their system it will not allow me to make a payment unless I reinstate the full past due balance ( a little over {$5000.00} ). I am not able to do that at this time. I find it hard to believe that there are no programs or options available for me. I have a reliable fixed income ( XXXX ) and this is a government insured loan. I believe that Nationstar is denying access to programs that should be made available to them because they prefer to auction this home instead of working with me. This is heartbreaking and wrong and I need someone to hold them accountable. 

I ran into financial difficulty a few years ago and went through the modification process with Nationstar and was approved for help through the government program. This plan actually RAISED my monthly payment, but I still faithfully made the payment each month. Things took a turn for the worse in XXXX XXXX when I XXXX. A couple of months later I was fired from my job because I had difficulty performing the duties. I hung on as long as I could and applied for XXXX benefits, but it took a long time to get approved for this. By XXXX of XXXX I was out of money and began defaulting on the mortgage payment. I immediately contacted Nationstar to try and work this situation out and began going through the process of applying for help. I was told that they were willing to help, and since I had gone through such a XXXX event ( XXXX and job loss and decrease in income ) that Nationstar would DEFINITELY work with me. Unfortunately that was not true. I went through the process and was told that since I had received help in XXXX that I could not receive help again. I tried to question this information after talking to HUD and tried to start the process again but was blocked by Nationstar. 

I do not believe that is the FHA rule for modification or restructuring assistance and do n't believe that Nationstar should be blocking me from reapplying to get a review based on my current income. 
I want to fix this problem, I want to save my house, which provides shelter for me and my husband and our daughter. I do n't understand why Nationstar is providing no options. I receive a steady XXXX check monthly and will be receiving it for the rest of my life so if they would work with me this problem will be put to bed and they will receive all of their money. Instead, I feel that Nationstar is violating the federal and state guidelines pertaining to FHA loans and moving to auction off my home. I do not want to stand idly by and let this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Student loan (Private student loan) with WELLS FARGO & COMPANY (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I've spoken to XXXX on numerous occasions and even filed a previous complaint. However in trying to get to the bottom of the issues I've have discovered new problems. One being a constant contradiction in information, I was told unverified student loans were given out for more than needed regarding educational expenses to help cover student financial situation while in school ... .. However is said on the promissory note you will not use funds for anything other than educational expenses ... .. which on the contract is signed with a computer generated x, ( not my signature ) nor was ever discussed. Secondly I was told when the loan was originated the interest rate was 15 % total amount paid would be XXXX XXXX. ( just recently discovered as disclosure was never given ) When I began paying the loan it was 5 %, and had changed as it is variable ( still waiting on the details of all interest rates ) yet I will still pay XXXX XXXX??? How is That? It should have changed with the changing interest. I was also never given the disclosure, when I called and asked for all documentation that would have been given on the day of origination I was given the promissory note but no disclosure, when I filed a complaint the disclosure was sent ... ..interesting. thirdly, I was told after 24 payments my cosigner would be dropped, wrong again must pass credit worthiness, which means a hard pull on my credit. Which I've already tried and was denied. I was denied to refinance with two separate cosigner, one of which was the original  cosigner. I can no longer afford payments and there is no help offered by XXXX. Ive already paid XXXX XXXX the loan was for XXXX XXXX and I still owe XXXX XXXX ... ... this loan has broke me and I'm left without options

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 01-03-2017 about Debt collection (Credit card) with Endpoint Resolution Services (ERS) (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XX/XX/XXXX at XXXX I received a call from Endpoint Resolution Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX from the number XX/XX/XXXX I spoke with XXXX. XXXX represented himself as a law firm stating that I was going to be sued for an undisclosed amount owed for a XXXX account, he stated that their company only takes on accounts in which the debtor has assets that have been verified ( I own nothing, have been unemployed for 3 years, and homeless in the last year with XXXX children ). He stated that " You WILL be going back to work, you WILL have wage garnishment '' and that I would be served by a process server in the next 3 days who will come with a security team and that I should be prepared, at which point he was specifically warned that this is a second amendment residence, and that I did not appreciate his threat or comments for the need of a security team. 

I was immediately irate because he spoke to me in a condescending manner, represented himself as a law-firm and threatened me with a lawsuit and made comments about a security team coming to my home, he was rude and mumbled through our conversation. He did not state the company name, did not mini Miranda me, and told me that I will be paying up!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation