milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
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: I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.

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 01/25/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IN).
Issue: Application, originator, mortgage broker

Complaint: In 2005 My wife XXXX & Myself were forced to file chap.XXXX Bank Ruptcy we did not include the mortg held by Wells Fargo Mortg . co. wells Fargo was presented a letter of intentions to keep the property, complete the payments. they were instructed to sign this letter, & return it to the court within fourteen days they chose to ignore the letter. their actions have prevented us from being able to qualify for refinance through the Obama Harp progs. It took me years to find out why. I then contacted Wells Fargo They admitted to their mistake however they stated that it was too late because any actions had to be completed within that fourteen day period I just today found out how to contact you. My wish is to make corrections so we will be able to refinace under the rules, & regs. of the Harp progs. The reason for this cond. is that the Real Estate market collapsed in our area by XXXX %. It is slowly recovering but not enough to allow us to refinance under standard conds. to qualify for the Harp Progs is our only hope. Wells Fargo 's actions, or lack of actions has already cost us thousands of Dollars We still have 19 years left on this mortg.which is at 7.5 % int. any help you can offer will be a big blessing Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Mortgage company failed to provide me with sufficient notice prior to foreclosure. Only notice received was notice of foreclosure which was less than 37 days prior to foreclosure. I did not have time to submit loan modification documents in time nor dispute said debt. Once I was notified of foreclosure date I immediately sent in a complete loan modification package and was told it had to be submitted 37 days prior to foreclosure. Under the fair credit practice act Rushmore should had notified me at least a month prior to foreclosure action to dispute said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit reporting () with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Paid the bill but someone stole my cards and used it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Bank account or service (Other bank product/service) with KEYCORP (OR).
Issue: Account opening, closing, or management

Complaint: I called in to close my credit card on XX/XX/2015the account was paid to zero and I was told it was closed. I have been getting notified each month that it is past due and late fees keep getting assesed due to unpaid interest. I have told now on 3 occasions that the situation is being taken care of to a bank error in not disclosing that there was going to be an addition {$12.00} to pay. They keep waiving the late fee and telling me that the account is closed while giving me confirmation numbers of this. As of today it is still not resolved and I am getting nowhere with the bank. I want them to remove the late reports as I have outstanding credit and being penalized because of their incompitance. And for someone to help me get this card closed out like I having been trying to do since XXXX/XXXX/15. I am beyond frustrated and about to lose my mind over this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
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: I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Equifax instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (SC).
Issue: Account opening, closing, or management

Complaint: Paypal limited my account with no choice of appeal or fair hearing. Operating in restraint of consumer rights. It was so bad that it destroyed my means of safety, security, and income online. They left me vulnurable to online predators and thieves. I hope you can address the issue quickly and have this dealt with. Im an ID victim and they just dont seem to care at all. The monopolize the market with competent secure media for financial transactions and chose to dictate the terms in the marketplace. Again operating in restraint of trade. I want my account reinstated without hesitation and equal access as a consumer to their product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Medical) with Performant Financial Corporation (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Had {$4700.00} taken from my Federal Tax Return, courtesy of the Dept. of Education. When my husband and I tried calling the collection agency to find out if there was any remaining balance, we get transferred from one extension to another, then get hung up on. We are just trying to figure out if we owe any more money so we can get this taken care of. We have not received any communication from anyone except the I.R.S. We have been trying to talk to someone for 2 weeks now and have made no headway. How can someone take my Tax Return and then turn around and hang up on me? This was a student loan that I had long before we were married, and unfortunately went into default. Now we 're stuck losing almost our entire return and with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (FL).
Issue: Settlement process and costs

Complaint: For over XXXX years I have had a reverse mortgage on my home at XXXX., XXXX, FL XXXX. In XX/XX/XXXX due to my wife 's XXXX XXXX I decided to scale down my house and vacate the home with the reverse mortgage. For XXXX years we have been trying to submit a short sale Application to dispose of this asset. Based on an HUD appraisal in XX/XX/XXXX we were told we had to sell it for {$600000.00}. We immediately obtained a buyer for that amount in XX/XX/XXXX and submitted all the sale documents etc. to HUDs contract bank. Both my real estate brokers, myself and lawyer attempted to follow up and got no response for several months that summer ( during which our XXXX contact left the bank ). Finally in XX/XX/XXXX we were Contacted by XXXX and told that even though we met the price set, the appraisal had expired therefore we had to resubmit the short sale package, losing our XXXX due to the six-month delay This we did twice in XX/XX/XXXX and have still not been able to liquidate the house. While the property not being occupied has deteriorated to a great extent in the XXXX years of non-occupation so I have spent about {$60000.00} in XXXX fees, taxes, legal fees, upkeep, utilities etc. over the XXXX years. 
I am XXXX and living on retirement funds and can not continue to keep up the empty home. Which will continue to disintegrate while interest in excess of the house net worth continues to increase. The bank : Reverse Mortgage Solutions Loan number XXXX XXXX XXXX 
Spring, TX XXXX XXXX. 
I seek Immediate relief from any responsibility for this home and require your help to expedite XXXX to approve our sales contracts XXXX XXXX XXXX current address : XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: This letter was sent to Freedom Mortgage after numerous verbal attempts to get them to reverse the late charges they assessed me. I sent them numerous proofs that I had made the XXXX and XX/XX/XXXX mortgage payments on time. 

XX/XX/XXXX Freedom Mortgage Re : Loan XXXXXXXXXX Mortgage Holder XXXXXXXXXXXXXXXXXX In XX/XX/XXXX, you notified me that I had not paid my mortgage payment on time. After this, I provided you with a copy of my XXXX bank statements for XXXX & XX/XX/XXXX. They showed that I had paid my mortgage payment on time in XXXX and XXXX through my online banking. I subsequently sent you a " proof of payment '' from my online banking account. 
When I made my XXXX payment, you applied it to my XXXX payment and then notified me that I was delinquent in my XXXX payment. After it became apparent that you were not going to process my XXXX payment, I voided it and sent you a replacement payment. 
If I had written you a check and mailed it to you, I would have no proof of payment on time. If the check was not delivered by the postal service, I would not know that until you informed me. 
If a payment check was misplaced or lost at your firm, you would consider me to not have made the payment. Obviously, I would not know that had occurred either. 
Neither of us can determine what happened to the online payment for XX/XX/XXXX. However, I have supplied you with proof that I fulfilled my obligation by making a timely payment of my XX/XX/XXXX mortgage payment. 
You charged me a {$110.00} late fee which you took out of my normal " additional principal curtailment '' payment. I would like that fee reversed and have the {$110.00} applied to my principal. 
Your refusal to do that would reflect very poorly on your business ethics. 

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 10/17/2016 about Mortgage (Conventional fixed mortgage) with HABITAT FOR HUMANITY INTERNATIONAL, INC. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Habitat for Humanity refuses to take their property out of my name and it 's steady causing me financial problems, hardship, and stress. The house was built incorrectly and the foundation had pulled away from the house which made the house impossible to live in from the rats and bugs infestation. Habitat refused to resolved the issues and help me. I lost everything including my home. I 'm still being stressed out about this issue.

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 04-11-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CT).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I went to log into my citibank account and could not. It said I needed to get my new card first and asked me to input some information I found this strange because I had just gotten a new card a few months ago so i called the bank to find out after 20 years they are closing my account. I have spent hours on the phone trying to get a reason why and can not. They also will not let me withdraw my money and have left my XXXX year old daughter and XXXX year old granddaughter without access to her money because her account was linked to mine. I am out of the country on my honeymoon which ironically started on XX/XX/XXXX. Some mysterious investigation was done by this unreachable division of the bank as I called my branch and they claim they can only email these people and still do n't have a response. In this day and age this is outrageous. The account has well over 80k in it.

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 04/18/2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (DE).
Issue: Settlement process and costs

Complaint: PLEASE ALLOW US TO ADD INFORMATION I LEFT OUT OF MY ORIGINAL COMPLAINT IN REFERENCE TO : Case number : XXXX LENDER IS NATIONSTAR MORTGAGE LLC AND IS THE SERVICER XXXX WE ARE ENTITLED TO ALL OF THE REQUEST FOR DOCUMENTS BECAUSE THE SERVICER IS ALSO THE ORIGINAL LENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX CORP***LENDER, NATIONSTAR MORTGAGE LLC XXXX SERVICER XXXX NATIONSTAR MORTGAGE LLC OUR LOAN IS IN THE NAME OF XXXX XXXX XXXX, AND LISTED ON THE SEC GOV ONLINE SITE * XXXX XXXX Bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ( LENDER ) AS PER NATIONSTAR XXXX 2016 IN XXXX LETTER WE RECEIVED XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX, TEXAS XXXX LOAN XXXX XXXX PROPERTY XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONSTAR MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXXLENDER XXXX NATIONSTAR MORTGAGE LLC XXXX SERVICER : NATIONSTAR MORTGAGE LLC XXXX AND THE SAME. 

THE COMPANY HAS COMMITTED PERJURY TO STATE AND FEDERAL AGENCY 'S SUCH AS DELAWARE XXXX OFFICE, CONSUMER AFFAIRS, CFPB, AND US THE BORROWER 'S WITH THE STATEMENT, " According to our records, we do not have any information to substantiate the borrower 's claim that the Unpaid Principal Balance ( UPB ) is {$30000.00} short, Please note that we can not attest to another company 's actions, including how they handle the closings of loans. '' * THIS IS A FALSE STATEMENT XXXX XXXX XXXX, F/K/A CHEC FUNDING, NATIONSTAR MORTGAGE LLC XXXX XXXX XXXX XXXX WHO UNDER-WROTE THE LOAN PRE-SALE, WE WILL PROVIDE PROOF. WE HAVE THE TITLE COMPANY 'S CLOSING INSTRUCTIONS AND NATIONSTAR XXXX XXXX XXXX XXXX XXXX 'XXXX FUNDING LETTERHEAD PER-SALE MORTGAGE COMMITMENT, AND CLOSING INSTRUCTIONS, SIGNED AND DATED. ECT. REGARDING OUR REFINANCE CASH -OUT WE WILL PROVIDE THE DOCUMENTS., PLEASE ADVISE, WE CANT UPLOAD THEM BECAUSE THERE ARE MANY DOC 'S TO PROVIDE, WE REQUEST THAT ALL THE DOCUMENTS FROM NATIONSTAR BE FORWARDED BY MAIL ONLY TO US, AND NOT E-MAILED.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I was relocated to XXXX by my company, and was issued benefits through a relocation company ( XXXX XXXX ) that included benefits with the sell of my current home. In XXXX 2015 I started the process to sell my home, I had to go through a number of inspection and repairs before my house was able to be placed on the market. Once under contract, paperwork would be done between the relocation company and myself.Then how it works is, I sell the house to them, and then the sell of the house would actually be between XXXX and the new buyer. I went under contract in XXXX, and was advised by the relocation company not to make the payment they would take care of everything. Apparently the first check sent to HSBC was received at the Dock according to the USPS but the payment never applied to the account. XXXX did a stop payment after 2-3 weeks and sent another check overnight. Which at that time, it was already late.Then there was a problem with the attorney and they had to get a new XXXX, which delayed us about a week or two. I signed the contract selling my home to XXXX on XXXX/XXXX/2015 and was issued a settlement check on XXXX/XXXX/2015 for the proceeds from my home. I was told I was done with the house, and even if it fell out of contract, I was no long responsible. The buyer did have trouble and it took longer to close, so XXXX was responsible for making the payments. XXXX was sending the checks for my mortgage payments. Unknown to me they made XXXX of these payments late. Worried about my credit, a called and spoke with a gentleman by the name of XXXX XXXX, to repeatly be told that my credit would n't be effected, the late fees would be reversed and even sent me a letter confirming our conversation. Later to find out my mortgage was report late for XXXX months. Since then, I have made a number of phone calls and sent contracts, settlement statements, the letter from XXXX, letter from XXXX accepting responsibility. I faxed papers, I have done everything to get this fixed and know one will help. This is effecting my credit, and now I am unable to obtain a new home loan based on the fresh mortgage lates reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian reported in my XX/XX/XXXX credit report that I had a FICO score of XXXX and had no negative accounts. Then, in my XXXX/XXXX/XXXX report they dropped my score 96 points and stated 6 inaccurate negative claims : missed payments, recent missed payment, short revolving history, no account activity, bad payment history and few accounts paid on time. 
The ONLY " new information '' they mentioned between XXXX and XXXX was a 2 year old 30-day late payment from a company called XXXX. ( which had reported this to Experian every month for the past two years! ) Clearly, this information was not " new '', nor did it justify these claims or the score drop. 
No other factors or explanations were either in my report or provided to explain or justify their " new '' claims about my credit worthiness. I have only missed this one payment in a 27 year on-time payment history. This was NOT recent : it was 2 years old. I do NOT have a short revolving history or a bad payment history, All current accounts are both active and are paid in full on time. Not one of their claims is accurate or supported by evidence. Nor does a two year old deliinquency they 've known about for 2 years justify lowering my score by 96 points. In making these false claims and penalizing me with my score drop, they are " misrepresenting '' the facts in my credit records which do not support their claims. I would like them to be held responsible for justifying these unfair actions which have no basis.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Account Name XXXX XXXX XXXX XXXX Account # XXXX Account is over 7 years old and should be removed from Experian.

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 06/30/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: submitted requested information to Equifax XXXX XXXX XXXX and response was to ask for the same information again. tried phone calls to no avail ( automated systems, no humans ) and the web sight led me to believe someone has used my identity for a home mortgage and credit card. i 'm a veteran using VA healthcare and collecting social security with total income below the poverty line and was born and raised in the state i currently live in. i do n't know what else to do or who to talk to so this can be straightened out. i 've just received my HUD-VASH section 8 housing voucher and do n't want this to prevent me from getting my own apartment, i only have a limited time to find one. thank you

Company response to consumer: Closed with explanation