milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage gives me no way to remove pmi on my loan. Main loan has a balance of {$140000.00} remaining. Got a HEL from local credit union and they valued home at {$240000.00}. XXXX values at {$210000.00}. Nationstar says my home is worth {$140000.00}. I asked if I can get and was willing to pay for an appraisal from a company of their choosing and they ignored that request just saying my LTV was at 97 %.

Company response to consumer: Closed
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with National Student Debt Advisory Corp. (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Not really much to report. Phone # in questions is for our small business and we 've NEVER had a student loan, had an employee or even a family member with or even cosigned on/for a student loan and these folks no matter how many times we have asked politely and also of late " not so politely '' continue to call on a DAILY BASIS and it seems always from different numbers. When we waste our time and manage to get to a real person the company is always the same. XXXX XXXX XXXX XXXX out of XXXX XXXX California. Office # XXXX or XXXX Problem has now escalated as the latest caller has upped the ante to " threats of physical harm '' and stated that she will keep calling until we finally admit we had or cosigned on a loan and that our number was somehow associated to a loan, but they 're always unable ( more like unwilling ) to provide a name of who may of taken out said loan. 

How the heck do we make this XXXX stop, even more so now that the calls have become threatening?

Company response to consumer: Untimely response
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX I learned from the Equifax website that my personal information which includes social security number, date of birth, address, credit info and possibly drivers license, was compromised. 

I was instructed to log back on the website XX/XX/XXXX to enroll in their free credit monitoring service. Really?!? 
This is absolutely unacceptable! 
I in no way trust this company and the fact that 3 Equifax executives sold stock with this knowledge prior to release to the public is illegal!!! 

Equifax should be financially held responsible for this breach! 
The fact that sensitive personal information was obtained by hackers is beyond unacceptable!!! '

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: On, XXXX XXXX, 2016 we were denied a Loan Modification by Wells Fargo because they say our income is inadequate ..., we qualified for the loan mod process because of the unemployment criteria ; I have been unemployed since XXXX XXXX ' and I am in school with XXXX XXXX program, funds of {$7500.00} while I am in school ... even tho it is n't required by XXXX XXXX XXXX, I have been steadily looking for work and interviewing. Its seems peculiar to offer loan mods to people on unemployment and still expect them to achieve a debt ratio of 38 % -what is the point- that 's what a conforming refi requires ... I requested Wells Fargo to please provide more transparency regarding the specific criteria, rules & guidelines that our " investor '' has outlined- they said they need to research this ... ''. I am concerned that Wells Fargo is stalling and does not want to provide this data to us, and we were denied the loan mod because they do not want to lower our interest rate. Their " underwriters '' were privy to he Investor guidelines in order to deny us so, why not be transparent.

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 02/18/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was offered to have an XXXX citi card as there are no international fees if you use the card overseas. Bought my tickets with the card after i got approved. Before I leave the country I filed a travel notice and was provided a ref. no for it just so I could use the card. The consultant I spoke to assured me that my card is goodcto use. I tried using the card to make a purchase 5 days after but it got declined. So, I pulled up my account online and saw that there was a fraudulent hold placed on my account as I was overseas. Called citibank and spoke to different consultants and managers but no ones seems to know how to help me. They ask me for my personal informations like account password, date of birth, social security no. and banking information but they said they cant release the hold as they cant verify my phone no. as it was a prepaid phone.They did n't even tried to offer any other resolution as i was overseas. They finally told me that I need to go back to U.S. to fixed the enquiry. I spent probably almost 6hrs on the phone, trying to be nice and patient but none of them was being helpful. They keep on putting detailed notes of resolutions that they didnt do making me look bad everytime I would call them. Now, they would talk to me in a rude manner asking me to fax my infos ( such as social security card, Driver 's license, Permanent resident card, proof of billing etc. ) to them which clearly wouldnt work as I 'm overseas without access to fax and is using a local philippine mobile no. I want to now make a formal complaint as this was not my fault to begin with. The agent i spoke with put notes on the account about the travel notice but failed to apply the travel notice itself on my account and still they wouldnt accept it as their fault and release the card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Late fee

Complaint: I have been paying my XXXX/snychrony bank card balance every month on the first of the month using my autopay feature from my bank. However, I have been hit with late fees as a result of " paying too early because the bill has n't cycled ''. When speaking with the customer service representative, she acknowledged that I was paying early but that the system does n't know how to process early payments. She was only able to credit me half of the late payment fees when I had asked for all of the late payment fees to be credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am a military service member and I was XXXX overseas to XXXX in XXXX of 2013. Shortly after that time I returned for the XXXX of my child and had my XXXX account closed and balance paid in full due to my relocation. My XXXX account was not closed properly and I was charged while I was XXXX overseas. I have since returned and XXXX has accounted for their mistake and credited the account, but they have not removed the collections account from my credit history as they should since it was never my fault to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Consumer Loan (Vehicle loan) with CONDOR CAPITAL CORP (PA).
Issue: Taking out the loan or lease

Complaint: I have been paying on a loan with condor capital the branch in New York was shut down on XXXX XXXX, 2015. A branch in CA took over and records were not transferred correctly,, I 've been making my payments and on XXXX XXXX, 2015, went outside and my car was gone. Now prior to this, my car payment is XXXX a month, I made a payment on XXXX XXXX, 2015 for XXXX and had payment arrangements for another to be taken out of my accounts on XXXX XXXX, 2015. They took the monies on XXXX XXXX, but never credited my account, and have not credited my account for months. I 've supplied them with bank statements and to no avail, no car back yet. I 've had to get an attorney involved. I want to, know what they are doing with my money??? I know for a fact in NY they pocketed over a XXXX XXXX in customer payments. I have correspondence that I have from condor capital showing all payments were confirmed from them. And bank statements showing the transactions. But still the balance on my account keeps getting larger. Ive asked them once they 've researched everything provided are they going to bring my car back and the stupid response I get is " We may request the balance in full '' I am not in default on my loan, and if I could afford to pay this loan in full I would n't have a loan. I am only including a small portion showing payments have been made, I even paid extra several times. As you will notice on the invoice I am sending from them there is no payment posted for XXXX XXXX in the amount of {$410.00}. I have all correspondence if needed as well as all of my bank statements. I had questioned them on XXXX XXXX about the info they were showing, and they never contacted me as well. If I had a customer questioning the account that would have been a priority, not just have some slime bag come to the house in the middle of the night and pick up my car when I live in the middle of no where with XXXX children and have health issues.

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 07/21/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Medical) with The TRAF Group (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After asking A-1 Collection Service of XXXX, NJ for copies of the original invoices from XXXX XXXX XXXX they sent me XXXX statements then sent me XXXX invoices each for the total amount. They also reported all XXXX invoices to the credit reporting agencies making it appear that a disputed amount of {$1400.00} is {$5700.00}. 
The statements they sent me in proof of debt owed ( after a 3-5 year period ) have handwritten amounts due on otherwise computer generated statements. 
I dispute all XXXX statements as I paid the normal office copay of {$20.00} at each visit. It appears that the hospital owning these practices has reclassified the visits as something else with multiple charges per visit. 
I have contacted the insurance company I was insured with at the time of these charges and I am waiting the receipt of the Explanation of Benefits for each visit. 
I am attempting to determine what amounts I paid each practitioner, but as the services were performed during XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX it is difficult to gather that information. Also, I pay bills from invoices and only received statement copies from A-1 Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit card () with JPMORGAN CHASE & CO. (MI).
Issue: Forbearance / Workout plans

Complaint: On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I agreed to a loan modification with BAC that required both trial payments and a long term 40 years mortgage. As part of the loan modification, I agreed to a balloon payment in excess of {$100000.00} that created a negative equity at my owner occupied residence. Another serious issue is that my credit is adversely affected by the negative equity caused by a 40 year mortgage with a $ XXXX balloon payment. 
I was recently denied assistance by Keep Your Home California program on the basis of a recent denial by BAC that I believe to be random, punitive and arbitrary. 
My complaints are as follows : 1. I was never provided any disclosure prior to executing a loan modification with BAC that a 40 year mortgage with a $ XXXX balloon payment would severely damage my credit for 40 years on the basis that I am ( and will continue to be ) underwater with negative equity. 
2. I was randomly denied a second loan modification and principal loan reduction after I provided my account representative, XXXX XXXX ( Customer Service MGR XXXX ) with an updated Profit and Loss that met the criteria by both BAC and California 3. On XXXX XXXX, XXXX I was instructed by XXXX XXXX to remove a cease and desist letter from my file and after I informed her that no such letter existed, she became rude, unprofessional and closed my file. 
4. After XXXX XXXX at BAC closed my file for mortgage assistance, including, but not limited to loan modification file, I was immediately informed by XXXX XXXX from Keep Your Home California " bad news that BAC had closed my file, refused to participate in her program to lower the loan principal '' and that XXXX XXXX could not give a reason and that she was also surprised, she also indicated that most of the time she has good news but not in this instance ''. 
5. On the basis of my negative equity I am being harassed by short sale agents.

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 02-01-2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.

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 06-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2016 about Debt collection (Credit card) with FIRST US CAPITAL LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Has left numerous voicemails on my and another person 's phone saying that I have a claim filed under my social security and threatening to take legal action. Were never able to tell me what it was for. The callers name is XXXX XXXX. After that, started receiving calls from XXXX and XXXX XXXX. The callback number was always the same. And still called 3rd party about my personal affairs and left voicemails. The number is : XXXX they say that they are calling from first U.S. Capital

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (Other debt) with Bay Area Receivables, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On or about XX/XX/XXXX I pulled copies of my credit report and found an account listed with Bay Area Receivables for {$65.00} for XXXX XXXX XXXX. I have never been a patient at or sought the services of said company. I contacted the original creditor to inquire on this debt, only to be advised that they had no record of me ever being a patient and that I would need to resolve with the collection agency. I contacted Bay Area Receivables on XX/XX/XXXX and requested to know what this debt was and for proof. I was advised it was for a return check and was mailed a copy front and back of the check. Upon receipt of the requested items, it was very clear that the signature and writing of said check was not mine. I have disputed this debt only for Bay Area Receivables to continue reporting and stating debt is verified as valid.

Company response to consumer: Closed with explanation