milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/19/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: As a borrower my loan was first with XXXX XXXX XXXX and I was approved for a Forbearance XXXX/XXXX/XXXX and the loan was transferred to Carrington on XXXX/XXXX/XXXX. Borrower made 2 payments and Carrington would not accept any payments after, lender had requested full payment ofXXXXXXXX. A Quit Claim Deed was submitted on behalf of ex-spouse XXXX. Lender then stated that a new law in XXXX was drafted that the Quit Claim Deed would not be sufficient enough is that a law for all states or the state of CA As a housing counselor I felt that information was not represented to me as the Third Party on behalf of the borrower. A loan modification application was submitted and on a complete package was received. A second modification was submitted on XXXX/XXXX/XXXX, complete package received XXXX, and XXXX/XXXX/XXXX file was submitted to under writer for review. XXXX/XXXX/XXXX it was stated that the borrower was denied due to debt to income at 40.77 % including the partial FHA claim. The representative at Carrington stated that the income used on the XXXX modification was {$2800.00} but on XXXX/XXXX/XXXX {$2100.00} income was calculated. The borrower had an increase of pay that should have been calculated on the XXXX loan modification. I called Carrington and spoke with a representative on XXXX/XXXX/XXXX who stated that the borrower had excessive forbearance. I immediately did a return call to Carrington for additional update on the numbers that was used for the waterfall to determine the denial. The representative stated that he could not give ne the numbers used because I had already call and the decision had been made. I then proceeded to ask to speak with management and was told that I would need to submit a formal dispute if there was additional findings and that management would not talk with me. I called back to Carrington on XXXX and wanted some more information on the denial the representative stated that because the home retention was located in CA and they were not in and I need to call back at XXXX eastern standard time. He could not give me any information because he was not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Billing disputes

Complaint: My credit card company ( Mastercard through Citibank ) is claiming I owe them {$1900.00}. This seemed high, since I usually pay at least the full account balance. I downloaded their statement balances through Excel and discovered my total debit comes to {$42000.00}. My total credit comes to {$40000.00}. I should only owe {$1400.00}, a difference of {$510.00}. That 's information using the numbers they 've provided for me. They refuse to acknowledge the discrepancy.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I submitted a dispute to my credit report to Experian. I received a response in XX/XX/XXXX and, on XX/XX/XXXX, I requested that Experian provide me details about how they had allegedly verified information in that report. I specifically requested information I am entitled to under the Fair Credit Reporting Act such as name and contact information of the person at each creditor who verified the information. I received a notice from Experian that since I had not submitted any new information, they considered the investigation closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 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 information incorrect

Complaint: I have an ongoing dispute regarding incorrect information appearing on my 3 credit reports from XXXX XXXX.The company refuses to update the report with the correct first late payment date and major delinquency. The dates indicated as first late and major delinquency are dates after which the creditor had already repossessed the vehicle, as a result of late payment.They are apparently attempting to use a payment made by their vendor in XXXX of 2012 following a sale at auction of the vehicle as my late payment. I of course had no involvement in the auction or in the application of any proceeds to the account. 
I have attempted to dispute this with Experian, as the creditor has once again revised dates, substantially changing the reporting. 
Experian refuses to process this dispute claiming it is a duplicate. it is not as the creditor has modified dates and I have provided new information regarding the payment history and auction sale.

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 04-04-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there

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 05-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: NationStar the company that holds my mortgage erroneously reported late payments on my mortgage and lowered my credit score to XXXX, when is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I disputed XXXX items on my credit reports relating to debts that XXXX XXXX had been attempting to collect on. As part of the dispute process, XXXX XXXX sent out a copy of the bill and a letter from Capital One, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: For multiple times in the past year, I have requested Equifax to remove reporting from an old XXXX XXXX XXXX XXXX account. It is well past 7 years of date of first delinquency. With the most recent request I submitted supporting documentation and they still did n't remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX separate debts with the department of veterans affairs. These debts have been paid off and now have a zero balance. I have disputed this information 3 times with Equifax and they refuse to update this information correctly even after providing letters from the VA to them showing zero balance. I spoke with the VA and they advised they reported zero balance to Equifax for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (I do not know) with Creditors Specialty Service Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: The agency creditors specialty service repeatedly sends letters to my address for a former tenant despite my informing them that the individual does not live here and has not lived here for greater than four years. They had stopped for a while but now they have resumed despite my returning their mail and sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I submitted a modification packet to Bayview Loan Servicing in XXXX XXXX. I was initially working with XXXX XXXX and found him to be very helpful. He answered all my questions thoroughly. He asked me to contact him in a week for status. I called him back and he notified me that he was no longer my rep. and that I should contact XXXX XXXX. I contacted XXXX and is when my nightmare began. XXXX was never available unless she randomly answered the phone. I would leave her voicemail messages and never heard back from her. I started getting very anxious due to the time frame so I started emailing her and XXXX XXXX XXXX XXXX The emails then became effective and XXXX would contact me first and then XXXX would soon email me. The times I did speak to XXXX her responses to my questions were one worded. She told me time and time again that my account was being reviewed by the underwriter. She then after would request additional documents which I would send to her the next day if not immediately. I noticed some of the documents requested were already requested previously. I would then just resend them to her. I got very anxious due to the time frame and contacted the XXXX XXXX. They said there was no holds on the sale for XXXX/XXXX/XXXX. I immediately contacted XXXX she called me back and I explained to her that the sale date had not been postponed. She verbally told me that the home would not foreclose. I asked her to contact the XXXX XXXX. She did n't respond to my inquiry about contacting them but reassured me the home would not foreclose. On XXXX/XXXX/XXXX I received an email from XXXX requesting docs for the modification, being that the home had already foreclosed. I had been waiting everyday for new numbers so I could start making payments and move on and that never happened. I never got the opportunity. She completely misinformed me throughout the entire process. I feel she was just buying time as weeks would pass by without talking to her. I was actually in fear of getting on her bad side as she ultimately was the person handling my account. I was notified by XXXX XXXX early XXXX that the modification had been denied sometime in XXXX due to missing doc 's. XXXX never notified me of a denial and I never received any letters from Bayview Loan notifying me of a denial. He then recommended I speak to XXXX. After the home foreclosed, I spoke to XXXX and she denied the fact that she told me the house would not foreclose. I asked her for her manager 's information and she told me his name and gave me his wrong number, she said she could n't give me his email address due to company policy. I contacted XXXX XXXX later on that morning and I spoke to a woman who gave me his phone number and email. I sent him an email and left him a voicemail in hopes to getting the foreclosure reversed. The home was recurred back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Late fee

Complaint: Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized

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 monetary relief
Consumer complaint received 12/16/2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: Billing disputes

Complaint: Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.

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 09/28/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery have a credit card debt that I had started to pay back in good faith ; arrangements had been made for an automatic withdrawal starting XXXX 2015. I was forced to discontinue payments from XXXX 2015 after losing my job, which they cancelled the payments, but since then they continually call at a bare minimum of 8 day intervals, and normally call every two days, even knowing I no longer have the ability to pay. Every time I tell them nothing has changed since the last time they have called, the response is always : " Well, our computer automatically dials it. '' I want an immediate end to this harassment, I want them to be forced to discharge this debt if they continue harassing me! Different numbers come up on my caller ID, but the XXXX prefix is most prevalent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My student loan was given to be my XXXX XXXX. They already closed down their college. I XXXX 2010 and still ca n't find a job with the profession I chose. I was told by XXXX that they would help me find a job but that was never the case. They gave me the run around. On top of that they lied about how much I would be making. I ca n't afford to make school loan payments and my interest keeps going up, I have n't seen a change on my loan ... .there has been no decrease only increase on it. I have submitted proof that I am experiencing economic hardship but I still ca n't get the help I need. I enrolled at school once again so I can get a good career since this is n't working out, and because I 'm not a XXXX they are expecting me to pay my student loans. I ca n't pay my student loans because I do n't make enough money and have to work full time ... which is why I ca n't go to school full time. It 's impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with ERC (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have attempted to contact the company to get this removed with no success..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XXXX. The state of Kansas XXXX XXXX XXXX placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XXXX or XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus XXXX, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX, 2017 CFPB : Today I tried to initiate the XXXX Mortgage Prequalifying Process. JPMChase Website said " Welcome to Chase Home Lending ''. The Software put me into a loop, where, five ( 5 ) times, I entered the same information without progressing. I have been a JPMChase Customer for over forty ( 40 ) years. That the Software trapped me in a loop shows utmost Disrespect for me as a Long-Time  Customer. I demand that JPMChase prequalify me for a Mortgage Loan of not less than {$300000.00} USD. <P/>Sincerely, XXXX XXXX XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Deposits and withdrawals

Complaint: SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX. 
THANK YOU, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Debt collection (Medical) with Portland Credit Inc (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector repeatedly called my employer after being verbally told not to because the number was never provided on the original credit application or form for services. The debt collector admitted to seeking out my employers number online then started contacting me at work without authorization. Secondly the original creditor is billing me for archives that were never rendered. This XXXX is for XXXX appointments that were canceled within the allotted time frame outlined by the medical practitioner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have multiple late payment reported in my report from Salle Mae and XXXX XXXX XXXX dating back XXXX through XXXX for my account. The reason for the late payments was that after graduating in XXXX I could n't find a job for a long time. Once I did I attempted to make the payments but it was never enough. My parents did n't want to let me live in their apartment and I was forced to move out and stay with a friend. I fell behind on my payments in order to pay for rent and food. It was very rough and I did n't know how to explain to my creditors at the time that I would need some sort of deferment while I was handling this issue. I did n't know a thing about how to manage my money then and I made the mistake in falling behind. It was n't until late XXXX that I 've manage to get back on my feet and had the ability to manage my money better. Since then I 've been working hard to keep my record clean. I 've been keeping up with payments and took responsibility for my actions. That being said, I still bear a black mark on my record which is prohibiting me finding a place to live. This is very concerning because I may find myself out on the street. I do n't keep in contact with any family member and I have no other choice but to try and get rid of this mark so that I may find a place to live. I would be extremely grateful if these marks could be removed.

Company response to consumer: Closed with explanation