milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (ME).
Issue: Loan modification,collection,foreclosure

Complaint: I have had a very difficult time with Nationstar I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Nationstar always seemed to lose my paperwork, which I constantly had to re-fax. I was originally with XXXX XXXX XXXX and was in the middle of the loan modification getting approved. It was sold to Nationstar, and they never honored the modification. I had to start all over and Nationstar never tried to help with the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with Convergent Resources, Inc. (CT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I payed my balance off in full. I called the company to confirm this. They told me it was paid off in full. I was not aware that they claiming that they received the payment late in spite of sending the payment on time. I was travelling and out of the country so I was unaware that there was a {$25.00} dollar fee that has destroyed my credit scoer. So in spite of having paid the balance in full and confirming it. I was charged a late fee and was unaware.

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 09/22/2016 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FCRA & FDCPA Violations : 1. Requested proper validation of debt. Creditor provided a copy of an account statement and a computer-generated letter re-stating the same information on the original Demand Letter 2. Creditor is reporting a time-barred debt to XXXX major CRAs AFTER the Statute of Limitations for Credit Card Debt has expired in IL. Last pmt on acct is XX/XX/XXXX or earlier. Creditor started reporting to CRAs on XX/XX/XXXX 3. Creditor has illegally re-aged this account. Creditor is reporting 1st Major Delinquency date as XX/XX/XXXX when the last pmt on acct is XX/XX/XXXX or earlier 4. Creditor is reporting an incorrect Open Date of XX/XX/XXXX. Disputed with CRAs and creditor reported as verified 5. XXXX is reporting that Reported Since and Last Reported Dates as XX/XX/XXXX. Creditor began reporting this acct on XX/XX/XXXX but verified this date with 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 05/26/2017 about Debt collection (Credit card debt) with Weinberg Mediation Group LLC (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On  XXXX   XXXX  the  Weinberg Mediation group left a message with my social security number, my birthday, and a false docket number on my parents voicemail. They stated that I needed to call to resolve a debt. I called the court to which they said this docket number existed and they said that is not their docket number. When I called the Weinberg mediation group myself to see what this was about they were threatening and even went as far to tell me they were lawyers and they know people in my county ca n't pay their bills. They also told me I have children and should be ashamed of myself. When I told them what information I found about what they are that they are not lawyers they told me they were glad I could read and used vulgar language. They call 4-5 times a day to my phone and my parents phone  leaving threatening messages. When I asked them to send me something in the mail they said they did n't have to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. BANCORP (WY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was contacted by XXXX on a bank debt that I believe has already been settled. The number is XXXX CLAIM # XXXX. I agreed to pay off the debt however they insisted I gave them my account info over the phone and will not accept payment any other way. I am scared they are not a really company. I spoke with XXXX XXXX each time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Turner Acceptance Corp. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: I made a purchase at a merchant during complete chaos at a concert with XXXX people. I ordered:XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$60.00} ) XXXX prints ( @ {$30.00} ) XXXX XXXX XXXX prints ( @ {$60.00} ) XXXX T-Shirt ( @ {$40.00} ) For a total of {$2200.00}. The employee told me XXXX amount, but put a different amount on the receipt, and then never offered me a copy of the receipt. It was n't until the next day when a notice popped up on my phone that showed a total charge of {$3100.00}. I disputed the charge with AMEX and was declined because the merchant says " prices were posted. '' That was not my dispute. My dispute was the merchant was incompetent and over charged me. In talking with several people I know, and reading messageboards, this was a huge problem with the merchant. But, guess who takes the fall? Me, an {$840.00} overcharge, and AMEX gets their fees, the merchant gets their fraudulently obtained funds, and the little guy gets a stick in the eye and is out {$840.00}! What a fun outcome for everyone but the consumer! Dishonesty pays I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: 1. Wells Fargo contacted me on the phone to offer secondary modification to my modification. Wells Fargo was reducing my interest rate, forgiving an amount and deferring a portion of the principal, which will be the amount owed at the Balloon due date. Today, XXXX from WF told me that WF did not forgive any amount. 

2. I have paid extra money toward the principal and WF has failed to apply the funds toward the principal and recalculate the amount due. In the alternative, WF has further failed to reimburse me for the extra money I paid and in the alternative, WF has failed to apply the extra money toward the deferred/Balloon amount. 

WF has cashed my checks and refuses to give me credit. If credit is given, the accounting must be recalculated according to new amount due.

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 02/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Someone who always responded to the cfpb through the United States Department of Treasury had never mentioned  XXXX  on the response letter which always showed some signs of forged power of attorney. Someone always claimed to be a senior corresponden t specialist. What a specialist? As a reminder, the answer to the complaint portal questionaire " Should we send status updates to anyone else about this complaint? '' is no. But I noticed that a diversion trick is in place which already disparaged the server to " Yes ''. I suspect foul play at the US senate intelligence committee or USDOJ or another intelligence agency which is rigging unidentified interest by evasion. And again., " I do not  think so ''.

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 06/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone has stolen my son years ago and had several accounts in my name. Here name is XXXX XXXX and she lives in XXXX, XXXX. I have NEVER lived outside of XXXX XXXX so all other addresses elsewhere like XXXX, XXXX are not mines. I tried to file a police report but they could never find her cause she kept changing addresses so PLEASE remove any address other than XXXX XXXX XXXX and any collections outside of that address because it IS NOT ME AND IT 'S NOT FAIR!!

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 08/20/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I have been trying to have my name added to the loan they did it but it is still wrong. I 'd like to receive a copy of my original loan and servicing documents, I yet to receive them. I have been given the run around. At first they sent me documents to say that I am not on the loan and once I pointed out on the assumption document that was my signature, were I signed first. they changed it but they have me as second on the loan and I am the borrower and my parents we the co-signers or co-borrowers on the loan. I have also asked for a copy of my payments from 1998 that would be another way to prove my title on this loan and have yet to receive those also. According to Real Estate Settlement Procedures and Uniform Commercial code I am well in my rights to receive the documents I am requesting and they need to prove they have the right to collect monies on this loan. I have trying to have this resolved since they took over the alleged servicing of this loan and we are still in the same place with the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Incorrect information on your report

Complaint: Mortgage payment was made to Bank of America on theXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX .They stated on my credit report that my account is 90dys past due date .Maximum Delinquency of 90 days XX/XX/XXXX. 
This information is incorrect and thus affecting my credit

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 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen, initially approved a short sale for {$280000.00} if I 'm handling for a probate listing. We were waiting for the court appointed appraisal to come back which took some time, and it was {$280000.00} as well. In the meantime the buyer backed out and we got a replacement buyer for the same dollar amount and I was told it was a trustee sale at the end of the month no one told they wo n't postpone the trustee sale to even consider the offer because it needs to be 100 % of the market value in order to stop the trustee sale. Wish I have an initial short sale approval for {$280000.00}. The other issue is this is dual tracking which is illegal in California. Attached you will find the short sale approval that was initially given to us for XXXX along with our offer that is consistent with their approval.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
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: I spoke with a representative concerning a 30 day late payment that is showing on my XXXX and XXXX  credit report dated XXXX 2016, I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit Management continues to make multiple calls to my home on a daily basis, seeking to collect on a debt that belongs to someone else. I have told MCM that I am not the person they are seeking and do not know anything about this person. I have asked them to stop calling my number, which I have had for more than 20 years. The calls continue but when I pick up no one is there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Family with similar names and SS that only changes by XXXX digits. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months go back to square XXXX. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (OH).
Issue: Managing the loan or lease

Complaint: Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday, XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee, the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days, however, I also received a notification that my XXXX payment is 8 days past due and another automatic payment would be initiated in 2 days! This means that {$1900.00} will have been withdrawn from my account for XXXX payment causing me to be unable to pay other bills on time. I did ask the representative " XXXX '' to remove my auto withdrawal so that payment could be made ( again ) only if the {$1300.00} is refunded to my bank account. I am not confident that this will occur. I will include the email reference regarding my auto with drawl so that it is clear that Prosper took the double amount. I did not accidentally make a double payment and the other information regarding late payment and fee can be reviewed. 
Please also note that there are may consumers with the same complaint about Prosper taking double payments and holding them as well. All it takes to find them is a simple XXXX search. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen/Homeward Residential continues to use fraudulent assignments of mortgage in legal actions. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.

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 05-09-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: Exxon/Mobil Consumer Credit Card ( Citibank ) provided electronic billing services to us reliably for an extended period of time as I have been a card holder since 1998 for over 18 years. At some point they decided to stop ebills and began sending emails. These emails were going into our junk mail box and when unseen by us for payment. Our balance was very small. For 90 days there was no calls or letters to notify us of the late payments until we received a XXXX package. In shock we immediately paid the full balance and called customer service to apoligize and learned that my credit was impacted with a severe 90 day late pay. We appealed with no results and my credit is now devastated through no fault of my own. I could accept a 30 day late but can not accept this outcome.

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 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX purchased an account from XXXX XXXX and has Dynamic Recovery Solutions trying to collect on an account that is from XXXX that I paid to XXXX. XXXX XXXX XXXX is reporting this account on my Credit reports with the XXXX Credit Reporting Agencies and told me to contact Dynamic Recovery Solutions who told me that the account was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. XXXX is reporting that this account was opened on XXXX/XXXX/XXXX which is not true and a violation of the FCRA. I was never notified as required by the FCRA, FCDPA before this account was reported on my credit reports.

Company response to consumer: Closed with non-monetary relief