milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Closing on a mortgage

Complaint: I am very concerned with this mortgage company. The first loan was paid in full and even lien's were paid. One reporting agency is stating that the loan is closed and the other is stating that it is not. I went through a Deed in Lieu procedure and even closed on the property at the bank,  XXXX . Please have the reporting agencies remove all late dates and times from their reports.  XXXX  and  XXXX . Furthermore, please have Nation Star report this correct closing and no late payments to my report. That is the fair resolution.


NATIONSTAR MORTGAGE LLC # XXXX 
  XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX   (   XXXX  )   XXXX   
Date Opened:  XX/XX/XXXX  Re sponsibility: Individual Account
Account Type: Mortgage Account
Loan Typ e: CONVENTIONAL REAL ESTATE MTG Da te Updated:   XX/XX/XXXX  
Payment Received: $ XXXX 
Last Payment Ma de:  XX/XX/XXXX  P ay Status: >Account  120  Days Past
Due Date<
Terms:  XXXX  per month, paid
Monthly for  360 m onths
>Maximum Delinquency of 120 days in  XX/XX/XXXX  f or   XXXX   and in   XX/XX/XXXX  fo r  XX/XX/XXXX <
High Balance: High balance of   XXXX    from   XX/XX/XXXX  to  XX/XX/XXXX ;      XXXX   from    XX/XX/XXXX   to  XX/XX/XXXX   Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I mailed a letter requesting Enhanced Recovery forward proof that this debt belongs to me. 

On today XXXX XXXX, 2015 Enhanced Recovery still has not responded to my request. 

According to my rights under the Fair Credit Reporting Act Enhanced recovery had 30 days to respond to my request, however they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: To Whom It May Concern : I am disputing the following items that have been posted to my credit report ; therefore, please remove or update the status of these based on the reason of the following : Company Account # Amount 1 ) Dept. of XXXX Acct # : XXXX in the amount of {$9200.00}. 
2 ) XXXX. of XXXX Acct # : XXXX in the amount of {$12000.00}. 
3 ) XXXX. of XXXX Acct # : XXXX in the amount of {$8900.00}. 
4 ) XXXX. of Ed/Nelnet Acct # : XXXX in the amount of {$14000.00} 5 )  Dept of HC FAM SVS Case # : XXXX in the amount of {$77000.00}. 


1 ) XXXX of XXXX # : XXXX This account has been resolved as of XXXX XXXX with a payment arrangement and consolidated into XXXX account # : XXXX and this information should not be in collection file and deleted immediately from my credit file. 
2 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
3 ) XXXX. of XXXX XXXX XXXX Duplicate Posting Please Delete Immediately. 
4 ) XXXX. of XXXX XXXX XXXX XXXX XXXX. Please Delete Immediately. 
5 ) IL XXXX XXXX XXXX XXXX XXXX XXXX Case # XXXX the was the incorrect amount and should be adjusted to the correct amount and not past due. Please update file as Paid as Agreed.
6 ) All accounts labeled XXXX XXXX. of Education Collection accounts are Duplicates that should be Deleted Immediate Pursuant to the payment arrangement and where Duplicates Fraudulently Posted to my Credit File to Sabotage my personal Credit Worthiness The above items should either be deleted or updated immediately in my credit file. Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of payment history. 

Failing that, please update my credit file to show : PAID IN FULL, NEVER LATE, or delete the items from the report as soon as possible. 
Moreover, I noticed several multiple postings in my credit file by several of the above companies, which is illegal according the Fair Credit Reporting Act. Please update my credit file immediately or further litigation will follow including filing a complaint with the XXXX XXXX XXXX. 

Yours truly, XXXX 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 08/15/2015 about Debt collection (Auto) with NRA Group, LLC (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On Friday XXXX XXXX 2015, I received a voicemail from XXXX. This number does not match the collection agency so I believe it was spoofed. The caller claimed to be from the XXXX county sheriff 's office and stated that I had XXXX warrants out for my arrest and that by calling me, I had been ''served '' I have no warrants and this call was from National Recovery Agency , a bill collector. The caller did not identify herself or state that she or the company was a debt collector. It is illegal to impersonate law enforcement and I doubt the sheriff 's office would take kindly to this.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: For the past 3 months I have been forced to call my bank with the credit company on the line so they can ask my bank if the payment has cleared my account. After my bank informs them that the payment did indeed clear the bank account then the creditor gives me access to my credit line. The payment is visible on my bank account online and is also visible as a payment on the creditors website. Both accounts showing I did make my payment with the correct amount and date. 

I pay my credit card in full every month. My credit limit is {$1500.00}. Sometimes my credit limit goes over but I still make my payment in full. This has never happened before until the last 3 months. This month I was allowed to use around {$800.00} of my credit before they decided to freeze the account again. 

This week I called because I still did not have my credit available. This time the representative did not offer to call my bank to make the funds available. I decided to be patient and wait till XXXX XXXX, XXXX for my funds to be available. That is the date the rep told me it would be available. I looked at my credit account today the XXXX of XXXX and my credit limit still says no funds available. I contacted the credit company again today. They told me I had to now wait 7 days from the time they receive my payment before I can have my credit limit available. I said ok, its been 8 days. You received my payment on the XXXX of XXXX XXXX, today is the XXXX of XXXX, why is my credit not available? The representative then told me that they do not start counting till the next day. I then said ok, its been 7 days, then she told me I would have to wait till XXXX tonight for my funds to be available. Frustrated I said fine. 

I ended my conversation with her and waited for the survey. The survey lets me give my input on how they are doing. She continued to try to talk to me and see if I was still on the line, she finally hung up and I completed the survey via the phone. If I receive my funds availability tomorrow the XXXX of XXXX, this credit company has held my payment for a total of 9 days.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information everything wrong, violates my hippa and cra acts must remove them asap destroying my life

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Debt collection (Auto) with Northstar Location Services, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Northstar Companies is attempting to collect a deficiency balance from XXXX. A representative, XXXX XXXX, somehow got a phone number to my ex-wife. He contacted her and said I listed her down as a reference on a loan. He also told her what company he was representing. I never listed her as a reference, so he found her number through other means and she XXXX the company and realized it is a debt collection company. That is none of her business. XXXX had all my contact information. There was no need to dig up a number from a person I have been divorced to for six years.

Company response to consumer: Closed
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: Company has reported  XXXX  separate charge- offs, instead of the single falied charge off t hat occured. Compan  y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.

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 03/20/2017 about Student loan (Federal student loan servicing) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: From XX/XX/XXXX - XX/XX/XXXX, I was enrolled in a health professions program. I received Stafford, PLUS, and Perkins loans during that time period to finance my education. After completing 2.5 years of the program, I was dismissed due to a health condition. After the grace period of six months, I was unable to pay back the loan at the required rate due to unemployment or lack of funds. By XX/XX/XXXX, I had a steady job and consolidated my loans so that I could repay them. The total balance was XXXX. I have been paying on the loan consistently from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, I took advantage of a student loan refinancing offer from Citizens Bank and refinanced my loan. My balance at that time was XXXX. Today my balance is XXXX. I would like assistance in determining whether my current loan balance is accurate. It seems that after paying on the loan consistently for 15+ years that my balance should be lower.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX I received a letter stating I owed Diversified consultants {$200.00} plus dollars for the same XXXX account that was with XXXX back in XXXX. ( see attached ). I sent a letter certified mailed to the following locations a XXXX XXXX and A physical address to XXXX XXXX. ( See Attached ). This company has refused to verify the debt owed according to the law. the reselling of an unverifiable debt. This collection agency has not verified this debt and they still continue to report to credit bureaus.My rights under consumer protection afforded by the FDCPA are continuously violated by this company. FDCPA Section 809 9b0 XXXX opinion letter XXXX from XXXX say this company would owe me {$1000.00} in damages.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : XXXX XXXX XXXX XXXX ] ( XXXX ) The false representation of -- XXXX the legal status of the alleged debt and XXXX any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I left school in XX/XX/XXXX. I had been diagnosed with a XXXX XXXX, XXXX and attened for as long as I physically could. Navient has been reporting inaccurate derogatory late payments on my account. I have made several unsuccessful attempts with various agents to get these late payments removed as they are not accurate. I have stayed on top of my forbearances and deferments as I can not afford the stress or the pressure of having to deal with possible late payments or going into default. 

The dates that Navient has reported inaccurately are : XXXX ( XXXX, XXXX and XXXX ) XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX ( XXXX, XXXX and XXXX ) Forbearances and deferments should be for at least a 12 month period and a 6 month grace period after leaving school. In XX/XX/XXXX after leaving school I still should not have been given a late fee until XXXX, although that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number 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 08/19/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: This is the bank that provides the XXXX credit card. On XX/XX/XXXX, Comenity 's processing center received a check from me for {$29.00} the payment of my account in full, along with a request to close my account immediately. I know this to be the case because my bank had a note in my account that a payment was being processed on XX/XX/XXXX. For some reason, this payment did not post in the system until XX/XX/XXXX due to the national holiday. Subsequently, I received a letter from Comenity Bank acknowledging receipt of this amount and the closing of my account with a {$0.00} balance. Several weeks later I received another bill for this account charging a late fee of {$25.00} and interest of {$2.00}. When I called to find out what was going on and why a fraudulent amount had been charged to my account I was told that because the system had not credited the amount to my account on the XX/XX/XXXX or XX/XX/XXXX,  that they were counting it as late and had fraudulently reopened the account and charged me with two late fees plus interest. Be noted that I am filing a complaint against the bank with the Better Business Bureau because I find the actions of the bank and its personnel both unethical and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This involves a company called XXXX XXXX. They provide internet services. XXXX XXXX has a package deal including their services. I initially signed up for that package because the only cable internet company in my area keeps raising rates because they have no real competition. The day of instillation comes, XXXX XXXX shows on time and does everything they need to do. I call XXXX XXXX twice confirming that they were coming, they said yes. 30 minutes after the projected time was over the technician calls and says he needs to reschedule. That, luckily, was my only day I could stay home. I decide to call both companies and cancel the XXXX XXXX half of the bundle deal. After a lot of headache I get it canceled and I decide to keep XXXX XXXX, since they already installed. Fast Forward about a year later I get a bill from a collection agency saying I owe XXXX XXXX XXXX. The collection agency says it 's " early termination fees. '' And they were fighting with me that I had a verbal contract to pay the money. XXXX XXXX is saying they paid that much to XXXX XXXX on my behalf. XXXX XXXX is saying they never received any money from them. All are blaming each other. But I do n't own any money. I never had any services from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I called Navient and the customer service representative misrepresented the company when I called I ask if this was in regards to my student loan and she said no I need you to verify information before we can talk to you. I refuse to do so because I know that Navient is a government contractor for the federal student loans department. My current loan is with a in good standing with XXXX. I have no desire to transfer or do business with Navient. They are harassing my harassing me at work by making phone calls and harassing my spell by calling his cell phone. I asked that they remove my work and husbands phone number and to not contact me any further. The representative said the calls will continue but she will mail a letter explaining the reason for the call. I know what Navient is proposing and I do not want their service. I want them to stop harassing me at work and my husband. I want all communication including phone text work mail correspondence I want it all to stop immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Prepaid card (Mobile wallet) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I received an email how about Friday night XXXX XXXX 2015 the email was from american expres serve in the email it was just plain mean that my account was being closed and the reason why they told me my account was going to be close was because I was in violationin violation of section XXXX XXXX XXXX XXXX XXXX XXXX Bank Account and XXXX XXXX XXXX XXXX credit card, XXXX ( XXXX ) debit card or debit/payroll card issued in your name. We reserve the right, in our sole discretion at any time, to limit or change the number or type of Payment Funding Sources an individual may link to an Account. You may not load funds to your Account from any source that we do not expressly permit in this Agreement. In the event you link or add funds from a Payment Funding Source that is not in compliance with these terms, we reserve the right in our sole discretion to limit, block, or place a hold on certain transactions or transfers and/or close your Account. ) now my account from XXXX XXXX XXXX a week earlier I provided them the statement which indeed prove that I was the owner of the XXXX XXXX XXXX account I will be providing also that statemen that I submitted to them so you guys will be able to see it as wellwhen when I got in contact with american expres sure they really were very rude not listening to what I had to say they just said we 're going to close up your account in the sad andthe funds the funds approximately equal in to almost {$20000.00} in that account I told him that I gave they were going to close my account that I needed the money ASAP they told me no they told me they were going to keep the money and that was thatnow if they do n't want to do business with me I do n't really it does n't really matter to me I just need my money to be distribute out to me as XXXX have bills to I rent to pay I have bills to pay they have been waiting for so long that I could lose a lot by not having those funds so he could please help me out with this I will highly appreciate that and american expres pretty much contradicted yourself because I mean they 're saying that I was in violation of XXXX XXXX I mean I was in no violation because the account is mine so I do not understand why they took that decision

Company response to consumer: Closed with explanation