milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-04-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Credit decision / Underwriting

Complaint: Nationstar XX/XX/XXXX. Spoke to XXXX. I explained for the 20th time that I am owed 2 months of PMI that would equate to around {$500.00} or {$600.00}. She transferred me to a Supervisor from escrow? After a 30 minute wait. XXXX. Manager in customer service of NS. Said he would follow up with me by XXXX but would call me or email me if he learned something sooner. 

XX/XX/2016 XXXX with Nationstar. Said he could not find my signed form to get my credit for the {$5000.00}. This is at approximately XXXX FL time. Then I talked to XXXX said she was a manager. Said she sent a notice to the dept that handles the {$5000.00} credit to let them know it needed completed. Next I spoke to a PMI manager. Well then she said he stepped out. Said she would call me back in 30 minutes about the PMI. And in a few days she would call me back about the {$5000.00}. XXXX manager of PMI called me at XXXX. Said it 's probably been too long since it happened. Not my fault. I 've asked almost every month. 

XXXX called me again XX/XX/XXXX at XXXX and now said my PMI should not be removed until XXXX but since it 's off now they 're not going to add that back in. He said my payoff has to be at 78 % to have PMI removed. I 'm at 75 %. Sounds like falsification to me. He said the PMI should not come off till XXXX. 

XXXX also said he sees where the {$5000.00} incentive was to come off in XX/XX/XXXX. But he also said he sees where Nationstar requested it from the government on my behalf on XX/XX/XXXX. Something smells fishy These are my notes of just some of the dealings I 've had with Nationstar in hopes of 1. Getting my correct refund for overpayment of PMI and receiving the {$5000.00} credit off my principal. Now there 's a third issue. I made my regular monthly payment in XXXX. I have the confirmation email that was sent to me. But the funds have not been removed from my account I called and spoke to Nationstar and I called my bank and I have sent them three emails and this is still not been taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The bankruptcy on my credit report is listed as a Chapter XXXX when a Chapter XXXX was filed on that date. I have asked for them to correct it through the investigation process and Experian either reports back to me that the information is " verified '' and/or refuses to investigate it. 

I have attached one of my Chapter XXXX documents that were filed on the date listed on my report as evidence of the type of filing. I have also attached a brief summary of the situation to confirm the resolution I am seeking.

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 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Due to financial hardship I was in a status called forbearance and deferment for over 12 years. Navient allowed this process to continue until 2 years ago. I was told I could not postpone the process any longer. I filed bankruptcy in XX/XX/XXXX and I was told I could not include any of my student loans with Navient. I got a Divorce and lost my home and relocated to another state to start over. I am a Veteran of the XXXX XXXX XXXX XXXX and is currently living with a friend to try to help my Son attend college and care for my XXXX year old daughter as a single parent. My XXXX year old veteran of the XXXX has also had to move in with me and she is unemployed. I feel I will be paying Navient until the day I die. I can not afford this and try to rebuild a life for my family with the cost of living as high as it is in XX/XX/XXXX. What help is there for me

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mid-Michigan Collection Bureau (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine. 

Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : 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 10/31/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/2016, I paid a collection agency named XXXX XXXX XXXX XXXX or ( XXXX ) on behalf of the doctor office named XXXX XXXX XXXX for the total debt owed of {$170.00}. The confirmation number given to me to verify the debt was paid is XXXX. On the XX/XX/2016 I receive another bill for {$170.00} dollars from a collection agency named Medical Revenue Service on behalf of the same Doctor office named 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 01-06-2017 about Debt collection (I do not know) with Arcadia Holdings, LLC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The debt collector contacted me. When I asked the name of the company and of the person contacting me and what is the name of the company I owe money to they did not provide any of these informations. 
They simply asked for my date of birth and address without allowing me to verify that this was not a scam pishing call. 
To the best of my knowledge I do not have any debt and this call is most likely a case of scam. 
I feel harassed, worried and anxious as a consequence of this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Alliance Data Card Services (CA).
Issue: Struggling to pay your loan

Complaint: I am two months past due - approx. {$140.00} I have no income at the moment and am not in stable housing. I explained this to several people who have called. I asked them to stop calling me. They increased their calls. I get up to 62 rapid, repeated calls within an hour each day. I have been able to block their numbers but it went on for more than a week. When I tried to call the number back they do not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: When XXXX XXXX moved to Navient..my loan was on deferment. They move the interest rate from 6 % to over 11 %. In addition, at that time my bankrucy paid over {$14000.00} to XXXX XXXX for my loan but it was never used to reduce my loan and in fact my loan increased from XXXX to over XXXX. I have paperwork to support this and sent to Navient and they said they could n't do anything because it was something that XXXX XXXX should have taken care of however XXXX XXXX letters came back to me because they do n't exist. So no one can tell me why my XXXX payment was n't applied to reduce my loan and why my loan went from XXXX to over XXXX. I need help and have no where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my 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 explanation
Consumer complaint received 03-11-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had disputed multiple items with all XXXX credit bureaus. It did n't even seem like they did investigation since a couple creditors had said I was correct and that it would be removed. So I sent a second letter asking for information on how the investigated it. Still nothing. Sent third letter letting them know they were n't following the laws and asked them to remove the items within 15 days and they are still in reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. ().
Issue: Account opening, closing, or management

Complaint: suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Debt collection (I do not know) with EOS Holdings, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: my identity was compromised in the past i had to change my debit card and all other accounts linked to my name

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Premier Recovery Group (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX/XXXX/2015 - XXXXCall from XXXX , Home phone, she said she has some court documents for me, I told her to serve the documents she tried to claim she was n't from a collections agency and said she was from the Legal Department of PRC . When I told her to serve the papers she also became very rude and hostile telling me I will go to jail for this. I explained to her that I have no problem with litigation. 
XXXX XXXX called my Cell phone asking for the supervisor of XXXX XXXX. I identified myself as such and she said she wanted to know the protocol for serving court papers at work. I told her to feel free to serve them however since she had Identified herself as a collection agency she was in violation of the FDCPA. She then denied she was from a collection agency and said she would " see you in court ''. 
XXXX call this week! 

I have asked for, in writing and verbally, the amount of the debt, the original debtor, and why they believe the debt is mine. I have never been given this information. I have addressed several letters to the following XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXXThey have yet to return a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Reverse mortgage) with GENERATION MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Generation MortgageXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX : loan # XXXX XXXX XXXX & XXXX : XXXX obtained a jumbo reverse mortgage loan from you on XX/XX/XXXX. There was an underwriting condition for " a set aside of {$26000.00} for one years ' worth of property taxes and insurance plus 10 % '' ( see attached underwriting conditions ). 

My first installment of property taxes was paid, but my second XXXX was not. As a result of this XXXX XXXX installment not being paid on time I incurred a {$940.00} late penalty. I always pay all my bills on time and never would have allowed this to occur had I not understood that you were going to pay these taxes for the first year. 

The loan is now sold to XXXX as of XX/XX/XXXX, but you owned this loan when the XXXX XXXX became due in XXXX and also owned it when the taxes became delinquent on XX/XX/XXXX. I was never contacted or notified that you did not pay them, and since you had withheld the funds to pay them and had paid the first XXXX, I fairly assumed that you would use the withheld funds for the purpose that they were withheld and intended for and pay the XXXX XXXX of taxes as well ( or at the very least notify me that you could not for whatever reason ). Because your error of not paying them within the grace period cost me {$940.00} I need to be reimbursed by you for this amount. 

Please forward me a check in the amount of {$940.00} to reimburse me for your error in causing this burdensome fee. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXXXXXXXXXX. I have previously sent this same letter to you in XX/XX/XXXX. I have never received a response from your company. I have also contacted the company you sold this loan to, XXXX and they state that they did not acquire the loan until the tax payment was already late ( which is true ) so the responsibility for this error lies with your company and I insist that you correct it by sending me a check for the amount of the late fee I incurred by your company 's lack of follow through and financial disregard for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Checking or savings account (Checking account) with Comerica (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Debit card cloned (? ), XXXX in cash withdrawals and XXXX XXXX transfers in 2.5 days. 

I informed the bank asap on XX/XX/XXXX. They claim to have sent a denial letter XX/XX/XXXX saying that because I had possession and was using the card during this activity there was no error on their part per the EFT act. I have made them reopen the investigation which they allegedly performed in less than 24 hours. The cash was taken from an atm at an address that appears on the statement. The XXXX in XXXX XXXX transfers were done in increments of around {$900.00} each. I filed a police report yesterday XXXX banks fraud unit did not not encourage this when we spoke. I asked if I should, they said I could but that the police wo n't do anything, and that this was obviously fraud. ) Bank claims they did n't flag the transactions because the pin was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

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 10-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I contacted all three credit bureaus about my stolen identity, I noticed on my credit reports that there was multiple inquiries placed on my report in XXXX, I quickly contacted the creditors and asked them to remove them from my report since these inquiries were fraudulently placed and they said it was nothing they could do about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: To whom it may concern, I have a complaint I need to file against Macys. I have disputed this account  XXXX  times and all  XXXX  times Macys has verified the information to be accurate per the credit bureaus. I have been trying to get in contact with the creditor who is verifying this information for three days and everyone including Macys is saying they dont have the account anymore.   XXXX   XXXX  , 2017 I looked at my credit report I received in the mail from disputing information on my credit report and called Macys (   XXXX   ) to settle the account. They informed me that they dont own the account anymore and for me to call Citibank (   XXXX   ) which is also known as Macys recovery department. I called Citibank and spoke with a collection agent named   XXXX   ; she informed me that they dont own the account anymore.   XXXX   told me to call   XXXX   XXXX   (   XXXX   ) ;   XXXX   XXXX   told me they dont have the account anymore.   XXXX   XXXX   then gave me an invalid number   XXXX   which they said belong to  XXXX .   XXXX   XXXX  , 2017, the exact same thing happened. I ask to speak to a supervisor or a Manager for all  XXXX  agencies and nobody could tell me any information regarding this account. Macys manager refused to get on the phone.   XXXX   XXXX  , 2017 the same runaround happened again, but I was on a three way call with my realtor because they couldnt believe what was going on. She witnessed the exact same thing happen live on the phone. Could you please look into this situation because I am trying to close on a house and it is blocking me from doing so. I believe this account should be deleted because I tried to settle it but no one wanted to take my money because they dont have any information on the matter!

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Credit decision / Underwriting

Complaint: When applying for a continuation of a Home Equity Loan with my bank I was told that there was a lien from 1992 that held the first position of encumbrance. This deed of trust has been released but seems to not been recorded properly and is thus showing up even after years of having refinancing and a previous loan from my bank 10 years ago. I even visited the courthouse and Md Land Records and could not get help on what to do to repair this.

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 07/28/2015 about Debt collection (Payday loan) with Solidus Group LLC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times.

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
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX, I became a joint accountholder on my husband 's pre-existing checking account with Citibank. ( Our account number is XXXX. ) In XX/XX/XXXX, Citibank began reporting the status of the account on my credit report as " Current, was past due 60 days ''. This is a result of activity and payment history made in XXXX and XX/XX/XXXX, prior to my designation as a joint signer/accountholder named on the account. 

Given that the reporting of this payment history negatively impacted my credit bureau reports and is inaccurate reporting since the activity took place prior to my being a named accountholder on the checking account, I submitted a dispute with XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received a response that my dispute was denied by Citibank because the information reflected on the credit bureau report is accurate. 

On XX/XX/XXXX, I submitted a new dispute, directly with Citibank for the same reason ; that the information reflected on the credit report is inaccurate since the activity being reported took place prior to my designation as a joint signer for the account. I subsequently received a letter from Citibank dated XX/XX/XXXX indicating that the inquiry can not be honored because " you are a joint signer for the above referenced account, both parties are equally responsible and the payment history will reflect accordingly. '' Again, I do not think this is accurate given that the account activity and payment history in question occurred prior to my designation as a joint signer on the account. I request that this inquiry is revisited to make the necessary updates to my credit bureau reports.

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 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a collection account on my credit for {$290.00} for service I never used.

Company response to consumer: Closed
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it. 
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.

Company response to consumer: Closed with explanation