milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2015 about Debt collection (I do not know) with Eltman Law, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection agency continue to threaten me with wage garnishment about a debt I know nothing about. In the past I went to the court to get information about this debt. It was to a fitness club I never attended.. All court information was sent to an address where I did not lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Other

Complaint: I filed a dispute with XXXX, XXXX, and XXXX about an unknown debt listed on my credit report as a collection item. completed the form dispute process and asked the collection agency, XXXX XXXX XXXX, to provide me with documentation validating the debt belongs to me. 

On XXXX XXXX, 2016, I receive a letter from XXXX XXXX XXXX XXXX XXXX, where they failed to provide validation of the alleged debt to XXXX ( Merchant ) or the alleged original creditor, XXXX. The collection agency, cited the " seller 's records '' but failed to provide me with documentation that this debt belongs to me. 

I am requesting that the invalidated debt be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Medical) with Io, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is the reporting agency that did not send me a notice or written notice that I have the right to dispute this debt.and attachment XXXXf ( 1.8 mg ) is already on file with cfpb. now of what douctment was made againt me.

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 11/28/2016 about Debt collection (I do not know) with WELLS FARGO & COMPANY (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from XXXX XXXX from the Office of XXXX. She said I have an outstanding balance from Wells Fargo in the amount of {$1500.00}. I have a Wells Fargo account and know nothing of this. If this did happen, it was over 10 years ago when I was living in XXXX XXXX. I now live in XXXX. She said she sent me a letter which I never received. I told her to send me written verification of the debt and she refused. She immediately told me that I need to settle or it could escalate to court. I am disputing this debt and she is refusing to work with me or give me validation. I have looked up the number and have found numerous complaints. They asked me if I was XXXX XXXX ( I have n't been using XXXX in 5 years since I got married ). Wells Fargo has no record because I called.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Payday loan () with Citi Management Group, LLC (LA).
Issue: Payment to acct not credited

Complaint: I received harassing phone calls at work and on my personal cell phone from a third party debt collector calling themselves " City Management Group. '' These people stated that I owed money for a payday loan from XXXX. This loan had already been paid off, but this third party debt collector was trying to get me to pay them for the debt again. My attorney sent the company a letter showing the debt had been paid. Their phone number is XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: Chase Bank made the decision to end the banking relationship with me and closed all the bank accounts I had with them, including one that I was only listed on with a Power or Attorney. While I realize they can close the account without reason and without notice, NOWHERE in the agreement, which I reviewed several times, did it say they could or would freeze and restrict the account for an indeterminate amount of time without notice. I have contacted them to point out that they are breaching the agreement, and they hung up on me. The bottom line is that Chase is breaching the very banking agreement they have by failing to notify me in advance that they would be holding the funds after their decision to close the account. Once they decided to terminate the banking relationship, they were obligated to release my funds, all of which were deposited by verifiable means, but after 3 weeks they still are holding the funds in that account hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Student loan (Federal student loan servicing) with ACS Education Services (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have been trying to work with my student loan guarantor and my loan servicer, ACS, to bring my past-due consolidated loans current, to no avail. I feel I have been the victim of deceit, fraud and misrepresentation on the part of ACS. I have been in contact with my guarantor, XXXX - specifically, XXXX XXXX, their " outreach advocate '' - as well as the XXXX in an effort to resolve the situation. Nothing seems to help. I have recorded conversations with ACS that demonstrate their practices, and have devoted substantial time toward seeking relief. ACS has unduly delayed my requests for relief, denying avenues of relief such as discretionary forbearance that they themselves have indicated are available, and the entire situation has gotten well out of hand, causing me undue stress, anxiety, loss of sleep, physical sickness, mental anguish and wasted time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co-signed student loans for my Daughter, XXXX XXXX XX/XX/XXXX, who works for XX/XX/XXXX. XX/XX/XXXX I became aware XXXX was behind on her payments. Therefore, made the arrangements to guarantee payments would be caught up and always on time on all XXXX loans. As of today we have upheld our end. However and incredibly XXXX of the XXXX loans through Navient ( Loan # XXXX ) continues to report as a charge-off.Eventhough, the minimum monthly payments have all been made to this date and continue to be made. Somehow Navient made an error by not including this particular loan and reported it as a charge-off after our agreement. 
Further, each month a monthly payment is made Navient reports this update making it seem as this charge-off just happen further decreasing my credit. This is the only charge off on my credit report and has ruined my credit. 
Damages include : health insurance increased by {$40.00} a month Auto insurance increased by {$120.00} a month I have been denied credit 4 times in last 6 months Auto loan interest increased on recent van purchase. 
I have disputed this with the credit bureaus twice and Navient confirmed the chart-off status. 
I have contacted Navient at least 4 times, spent hours on the phone, literally pleading with them to to the right thing. 
Navient confirmed payments have been made but say that once an account has been Charged-off there is nothing they can do. This entire ordeal is unbelievable and I am amazed at how little fear there is of federal policy. I informed Navient I would file a lawsuit an they literally do not care. Please listen to the taped conversation I had today XX/XX/XXXXat approx. XXXX. I made sure to confirm the call was being taped and after informed the representative ( XXXX ), the secure this tape for future litigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had this student loan since XX/XX/XXXX and have been paying without missing a payment since I left school. I filed bankruptcy in XX/XX/XXXX, and this account has been listed as account included in bankruptcy, bankruptcy discharged. I have never failed to pay on this loan, and have filed a dispute with the credit bureaus at least 6 times asking that the account be reflected as open and paying on time. Time and time again I have been told that the information is correct on my credit report and to contact the company, who continue to state that student loans are n't dischargable, that my credit report is right, and have continued billing me. I have continued to pay this entire time because of fear of how my credit could be even more negatively impacted, however I recently submitted a copy of my recent credit report showing that this account is being listed as a negative account with no payment history to the servicer, and was sent an email message that they needed a copy of the credit report, which I had already sent them and was in their possession. This, other than the bankruptcy is the only blemish I have on my credit history, and I believe it has negatively impacted my ability to obtain credit, qualify for lower rates, and hurt prospective jobs, which is unacceptable as I have been meeting my supposed financial obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2017 about Mortgage (FHA mortgage) with AMERISAVE MORTGAGE CORPORATION (MI).
Issue: Trouble during payment process

Complaint: In XXXX into XXXX preapprpved through local mortgage company for cha for XXXX w 3.5 %  down asked by amerisave to upload deppaoys XXXX numerous contract all reuploaded within 24 hours.  On day of close XX/XX/XXXX amerisave decided to tell title company that loan was n't going through after cousins accou t through XXXX XXXX was dinged for wire live transfers. Had to move because buyer need weekend to redo kitchen living bathroom and need money for down payment of new house and to pay off his loan. Letter of homeless caused by amerisave and then they co rates me in XXXX and wonder about why I did n't close yet. Resigned papers 5 times have emails and proof. Rate locked at 3.5 to close showed 3 %

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 01/23/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (ID).
Issue: Account opening, closing, or management

Complaint: I got a Wells Fargo notice on my bank account that said my new card was on the way. I wrote them back and asked them what was up because the account number did not match mine and I did not request a new card. After two emails, the customer service rep told me that my account was " At risk for unauthorized transactions '' and they changed all the account numbers. I went through my account and had no unauthorized transaction up to date, and demanded why they thought I was at risk and why they changed everything without my knowledge and without my permission and they will not tell me. To me it sounds like they 're hiding a security breach, but I 'm super XXXX, I 've had the account numbers memorized for years and they go and change it without even telling me.

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 01-03-2017 about Student loan (Federal student loan servicing) with MOHELA (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX direct loans ( XXXX subsidized, XXXX unsubsidized ) currently serviced by Mohela. On XXXX XXXX, 2016 I paid a lump sum of {$1000.00} and directed Mohela to apply the full amount to Loan XXXX, using their online payment system. The payment was applied to the correct loan ; however, my next monthly payment ( auto-debited from my bank account on XXXX XXXX, 2016 ) was not applied correctly - a small amount was applied to Loan XXXX and a larger amount was applied to Loan XXXX. 

I contacted Mohela when I realized this error and was told the revised allocation was because my account was in " paid-ahead '' status. I asked them to edit my XXXX XXXX payment and reapply it as it was supposed to be applied per my repayment schedule and also remove the paid-ahead status - I wanted my payments to remain as they were scheduled, just with a smaller balance on Loan XXXX. I was assured that this would be taken care of and would not cause any further issues. 

My monthly payments for XXXX 2016 through XXXX 2016 ( inclusive ) were applied correctly, but my XXXX 2016 and XXXX 2016 payments were again incorrectly applied. This time, a much larger amount than scheduled was applied to XXXX XXXX and a much smaller amount than scheduled was applied to Loan XXXX. I contacted Mohela again, on XXXX XXXX, 2016. Their response indicated that they did not quite understand the problem. 

Again, Mohela said I was in " paid-ahead '' status and that the additional payment that I made was used to satisfy future bills ( which is exactly the opposite of what I had requested when making that payment and what I discussed with them when I contacted them in XXXX 2016 ). The email response I received said, in part, " The paid ahead status on your account is causing your Auto Debit payments to apply to your XXXX loans differently than what is displayed on your repayment summary. We are currently researching a way to ensure that your Auto Debit payments apply correctly, based on the repayment summary. Once we have completed research on how best to implement this process on your account, we will send you a subsequent secure email on mohela.com. '' I find it difficult to believe that I am the only customer in the history of Mohela and/or the XXXX to want to pay down my loans and continue to have the monthly payments allocated as indicated on my repayment schedule. I also find it incredibly convenient on Mohela 's end to use this excuse - the goal in my paying extra on the loan is to reduce interest over the course of the loan, something Mohela has a vested interest in preventing. They show no interest in resolving the issue and refuse to re-allocate previous payments which were incorrectly applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 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: Their investigation did not fix an error on your report

Complaint: You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, XXXX, EXPERIAN and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.

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 08/29/2016 about Debt collection (I do not know) with Radius Global Solutions LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've attempted to send Central Credit Services ( centcreditserv ) the identity theft affidavit but their address is wrong on my credit report. I 've attached all supporting documents showing the return mail via certified usps tracking. Please help.. this is so stressful and I do n't see how collection agencies can just get away with this. 

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion is reporting that I have a collection account. They are reporting the company " XXXX XXXX XXXX ''. They added the company to my credit file on X/XX/2017. <P/>I have no contract with such company. <P/>XXXX XXXX Reported : XXXX. XXXX, 2017

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