milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2017 about Mortgage (Other mortgage) with GOLDMAN SACHS BANK USA (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Over the past seven years there have been two foreclosure lawsuits against me for a property that I did not own related to mortgage agreements that were erroneously and fraudulently processed. The first lawsuit by XXXX was dismissed years ago after I spend a great deal of money in legal fees on representation. In XX/XX/2014 I received another lawsuit from XXXX ( the debt then has been sold to MTGLQ Investors L.P. ). I contested this lawsuit again and received notice from the Judge that I am not responsible for the debt. I continue to be harassed for payment of a debt that the Court has said I am not obligated to pay. I do not own the property named in the foreclosure action, I do not live there and I did not have the capacity to enter into a mortgage agreement that was obviously processed in error.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/2015 a repersentive from HUD stated " Bank of America submitted a new variance request over to HUD today and we have approved this and let BAC know and they will now be moving the file forward. Let me know if you need further assistance. " As of today, XXXX/XXXX/2015, BAC has not moved the file forward in the 7 days since then? The variance was approved. The offer I sent on XXXX/XXXX/2015 meets the minimum net and is not requesting any closing cost assistance. We should have an approval letter by now. Why is BAC dragging their feet? 

Also, BAC has scheduled a foreclosure sale on this property despite having the short sale contract package since XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: During the life of our mortgage loan with NationStar Mortgage, they have went out of their way to misapply payments or apply them in such a way that they get the greater benefit. Most recently, I sent in  XXXX  for a principle payment and they put my money into " reserve funds '' instead of applying it. They sent a letter asking for an extra  XXXX  before they would take it out of this reserve. Yet I had sent in my regular payment with the exact and full amount days later - and they never fixed the earlier payment. Then I called them to fix it and they said they would need to have the " back office '' work on it and for me to call them back in 3 days - which is ridiculous to expect me to call back on their error that still has yet to be corrected! And I just recently sent in on  XX/XX/XXXX  another payment of  XXXX  which they proceeded to split up into a monthly payment and less principle - even though I had already paid the monthly payment days earlier. This is not the first time, and now I am sure I will have to struggle to get these corrections made while they benefit on the interest charges. I am seriously unhappy about their servicing practices. No wonder they want to change their name to "  XXXX   XXXX  ''. I will be so glad to pay off my mortgage to not have to deal with their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it. 

Its costing me XXXX per month in my home loan due to this issue. 

Many others experiencing the same issue : XXXXXXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Consumer Loan (Vehicle loan) with MCMC Auto LTD (TX).
Issue: Problems when you are unable to pay

Complaint: I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Private student loan debt) with Weltman, Weinberg & Reis Co., L.P.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everyday in XX/XX/XXXX and XX/XX/XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Due to the data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, 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 06/27/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I have had an exon/mobile gas card since XXXX. I have never missed a single payment. 
In XXXX of XXXX I asked exxon mobile if they could raise the credit limit on my exxon mobile gas card. They said no. 
In XXXX of XXXX they sent me a new " smart card '' ( expires XXXX ) and my old card stopped working. 
Today, ( XXXX XXXX XXXX ), I tried to buy gas with my mew smart card and it was declined. I called exxon mobile and they told me it was cancelled because of inactivity and that I would now have to apply for a new card. 
I was given zero notice of this until I was sitting at a gas station unable to buy gas. 
by lowering my available credit this hurts my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: There was n't a clear category for my issue, but I live in a state ( NC ) where I know the mini-Miranda must be read, however when I was contacted this morning by Navient, it was n't read nor was I properly verified - just a " Is this ( my name )? '' and then went right into verifying my contact information. I know that not saying the Mini-Miranda is a violation of the FDCPA since they were trying to collect on a debt ( XXXX overdrawn )

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Using a debit or ATM card

Complaint: Wells Fargo let an online card take money from my card without my permission. 
that is an insult to the customer. 
i want my XXXX dollars back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpha Recovery Corp (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I got a call at my place of business, she did n't tell me her name only where she was from. When she asked if I would take the settlement, I said I could n't and I could pay a certain amount a month she began to harass me saying they wo n't accept my offer, they only will accept if I take the settlement amount. I informed her I have too many medical and other bills I am paying at the moment, and I have no other choice. She then proceeded to tell me I have a full time job, and that none of my other bills were important or even existed. She than harrassed me stating she would make sure I 'll never be able to rent a place ever again, and that she will submit my claim as " denial of payment '' when I tried to start and make a payment right then, just because I could n't make all of it at that exact moment.She used obscene language and threatened to make my life XXXX for not paying the entire amount. I was at work, this was in front of my boss and my coworkers. It was completely rude, and she had no right to call me at my place of business and speak to me the way she did.

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 02/15/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I feel as though I am being taking advantage of for having a good credit score and making on time payments. Since entering repayment, with a payment amount twice the amount I was quoted, they have raised my interest rate 3 times. The latest is raised to 11 %. Thus after calculating my payments I will probably never pay this loan off. They are making it impossible to pay back my debt. I find myself considering default because I would benefit more from trying to lump sum buy out a settlement than ever be able to pay off this loan. If the interest rate isn't ever capped or at a fixed rate I will not be able to pay this loan off. I feel as though this is a trap to create a deeper hole of debt for students/consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due XXXX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
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: Hello I sent a Certified Letter on XXXX the XXXX 2017 to  Wells Fargo asking them to provided documentation of my debt and account with my original signature. They have not provided this information but have a account reporting on my credit report monthly that is not mines. It 's been over 45 days and no verification. I would like this Wells Fargo account removed from all 3 Credit report 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 explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: As part of the agreement betwee n Citibank and  the CFPB concerning their identitymonitor product I was issued a credit of {$170.00} to my card ending in  XXXX .  Citibank sent me a letter explaining why I am receiving the credit and the agreement with the CFPB. I requested a refund check for the credit amount which Citibank se nt to me, but when I deposited the check on  XXXX  it bounced! Very embarrassing. I was then charged a fee by my bank. I spoke t o a specialist at Citibank o n  XXXX  who promised to reinstate the credit funds of {$170.00} but up till today  XXXX  the credit has not been placed back on my account. It seems that  Citibank does not want to honor the CFPB agreement and wants to renege on the credit. I have called and spoken to customer service agents at citibank on three more occasions and they all promise to reinstate the credit but the credit is still not reinstated. It seems that Citibank may n ot be taking the CFPB seriously

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 10/28/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been battling with Wells Fargo for years, most recently within the last couple of months. I have been submitting any documentations that I can send to them because my ex-boyfriend took out this loan in my name. This is a fraudulent account. I even have proof that Wells Fargo closed this account on my Credit Reports and then they keep changing the balance. I do not agree with this. They are not organized. The person who most recently handled this case, XXXX. I was informed for over a month that she was a part of the Fraud department. Then she changed it today that she is part of the Recovery department. I do not know what to believe. I communicated within a timely manner, for each of their requests. They would always take a very long time to respond, without showing any proof, hard copies, of where this account came from. I do not want to be responsible for an account that does not belong to me. I want them to clear this balance again, to {$0.00}, which I have proof is showing and has shown on my credit 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 07/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I owe a little over 5,000 to navient and I 'm struggling paying the payment right now and I ca n't seem to come to an agreement with them

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Debt collection (I do not know) with Weinberg Mediation Group LLC (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Weinberg Mediation keeps le aving me vague messages regarding an alleged " debt '' they claim I owe. They will not provide any information or validate the " debt '' in writing. They are constantly calling my cell phone, work phone and family. They threaten to take legal action and say each time that this is the final warning. I have called them and asked them to stop calling and to validate the " debt " in writing but I have not received anything from them except threatening phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit reporting agency keeps publishing that I was delinquent in making my mortgage payments years ago, lists XXXX different mortgage companies with the same account number during the same time period, and continues to delay correcting those discrepancies despite my multiple disputes of their published records. I will attach the credit agency 's XXXX response to my dispute which is clearly nothing more than a discouraging delay tactic that contains no helpful information pertinent to the resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been in constant contact with SYNC / Care Credit and informed them to please send me documentation that I signed a contract to pay them. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You

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 03/14/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.

Company response to consumer: Closed
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Medical) with The Collection Connection (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The alleged debt is non-existent as all debts with XXXX XXXX XXXX have been fully satisfied by me in the past. The collection of any other debt is unwarranted and unfounded.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation