milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage charged me a late fee and reported my payment as late illegally. I have a copy of the cancelled check which shows clearly that my check was received before the late payment date. They refused to remove the late payment and if they reported it to credit bureaus then my perfect payment record is marred by this " late payment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Debt collection (Credit card) with Blitt and Gaines, P.C. (IL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I tried to settle debt with Blitt and Gaines. They said I would have 60 days to satisfy this debt. I requested they send me info so I can make payment. However, they went back on their word of 60 days and only gave me 26 days. I have proof of email from them stating 60 days to pay and will send it to you. They are dishonest and should not be able to treat consumers this way. I have XXXX kids and a very ill husband who is having XXXX this month. 60 days would have worked but now I have only 16 days to come up with payment or it goes to court. They said XXXX!

Company response to consumer: Closed
Consumer complaint received 09-10-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Portfolio Recovery located in XXXX Virginia has been constantly calling everyday at various times for a debt that no longer belongs to me. The debt was placed on my credit reports 10 years ago, and by law has been removed from my credit reports. 

Portfolio Recovery has been trying to collect a debt that is basically 10 years old. I have asked them to stop calling and mailing correspondences to my address, but they ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2016 about Debt collection (I do not know) with Eastern Account Systems of Connecticut, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Other debt) with Maury Cobb, Attorney at Law, LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: V original contract between myself and XXXX States the following, By 4 lines for {$XXXX} extra line for {$XXXX} a month a limited talk unlimited text unlimited Internet. 
Account was closed on XX/XX/XXXX all bills then paid attachment bill and receipts. 
But I have notice to cancel all services On XX/XX/XXXX Stated and lost monthly bill statement. 
Cancelation shows under current charges total monthly bill for XXXX was XXXX Attach is a copy of the bill and receipt as stated shows Cancel next bill highlights. 
Received another statement for the most of XXXX shows {$75.00} per line a total amount of XXXX For a Canceled service. 
Contacted XXXX to resolve the subject they do not have a collection of the account. 
I was harassed by several collection agencies to collect a debt For a service I canceled 2 months prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a letter from XXXX XXXX XXXX with the control number, which is : XXXX that request Equifax to remove this information off my profile and they refuse to do so. It 's been over 60 days fighting with Equifax and I 'm trying to buy a house. Please have them to remove ASAP! I have attached the supporting document for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.

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 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I looked at the credit report and found that this company has tried to retrieve my information without any permissible purpose. 

I am challenging them for COMPLIANCE on the Metro-2 submission process as well as the FCRA

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 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XX/XX/XXXX - XXXX sent deletion letter and had account deleted from my Experian report. Then sold account to creditor XXXX. XX/XX/XXXX : Negotiated payment and settled account with deletion letter. XX/XX/XXXX : XXXX was deleted off my Experian report. Credit score XXXX. 
XX/XX/XXXX : XXXX & XXXX report " collections '' on my experian report which was settled and removed in XX/XX/XXXX. They are combining the same account # with 2 different names so they can flip flop on and off my experian report. Spoke with Experian for 6 hours, and 14 tier 1 /2 and higher managers, and faxed both deletion letters as evidence.. they refuse to remove negative collections item. XXXX credit score now is XXXX This is a scam and all credit bureaus must be punished for ruining an individuals credit. They are not being held accountable for upholding the consumer 's correct credit information. They are holding my credit hostage. Huge scam by the big banks to profit off hard working individuals.

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 09-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX - Navient My original school was sometime around XXXX XXXX with XXXX XXXX. After I graduated in XXXX, I had a hard time repaying the loans because I was not yet working and then I applied for a deferment. After a while I started paying again and then had to apply for a forbearance. Fast forward a couple of years, I applied for a consolidation over the phone and was granted the consolidation. The only problem was that there were 4 choices for repayment plans but no one asked me which one I preferred. They chose for me to do 4 years of interest first. I learned a few years after that there were 3 other choices and among these choices there was a " 10 year standard payment plan '' that was more appealing with more advantages. 

On XXXX XXXX, XXXX, I received and email from XXXX letting me know that as of XXXX XXXX, XXXX, Navient would be my loan servicer, I had never had a conversation with XXXX prior to that notice that they would be selling my loans to another company. My assumption is that since I was paying my loans every month and even paying extra ( thinking that the extra would go towards my principal ), I was an easy target for XXXX. Why would a company buy someone 's loan who was not actually making payments on that actual loan. 

I have requested of copy of my records from when I signed for my loan with XXXX to now. They do n't seem to be able to give me a copy of where I signed saying I agreed to the terms of repayments. They also do n't have any record of me signing any paper work saying I agreed to XXXX about selling my loan to Navient. 

As of now, I have already paid 30k+ off of my student loan of XXXX but curiously as of today XXXX/XXXX/XXXX I owe exactly {$61000.00} on that loan. Supposedly I finished my 4 years of interest only payments but my payments went up for next month. 

Please know that my intentions or not to try to not pay my school loans. I just want them to be fair. When I signed for my loans I knew I would have to pay them back. My original loan was about 37K but after I did the forbearance and deferment they went up to XXXX which means that the interests are all in there. I did not get a loan to buy a car or a house. This was an education loan. How are we supposed to decently contribute to society when the service providers are only out to make a buck no matter how they XXXX the clients?

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: InXX/XX/XXXX, we took out a Home Equity loan with Santander bank. They offer an introductory rate of 2.24 for XXXX  months. Our intent was to pay down as much of our HELOC during the XXXX months, the account was setup to automatically take out the minimum payment. Which we were fine with to ensure we do n't miss any payments, we tried multiple times to pay additional funds towards principal online and could not figure out the system on the HELOC page there is no place to make a payment or set up additional principal payments. We first contacted the branch they sent us to customer we had to make XXXX calls to customer service in the span of a few months before someone told us the only way to make a payment was to actually transfer money from our checking into the HELOC account. I can not make payments from other accounts, nor can I set this up to pay more than just the minimum. As a consumer I am upset that this feels like they are making it difficult for me to pay down the principal during a promotional rate. The amount of people and phone calls I had to make to figure out the piece about transferring the funds was unbelievable most people would 've just stopped as they made it very difficult to get an answer. When I contacted I told them I would not get off the phone until they could tell me how to make additional payments I had to tell them that this should be illegal, finally the customer service rep had to contact a few departments to get the answer about transferring funds. 

I normally do not contact agencies like this to make complaints but I believe this should be investigated, if they are doing this to me - I consider myself a fairly knowledgeable person with lots of computer experience I ca n't imagine what has happened to others. 

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 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (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: To Whom It XXXX Concern : I have called Citibank XXXX XXXX XXXX spending several hours on the phone with representatives and managers re : # XXXX XXXX XXXX XXXX due to this card being issued by XXXX XXXX after my departure from the company which was XXXX/XXXX/XXXX. The card was sent directly to the XXXX XXXX XXXX, and charges in the amount of {$520.00} were charged against this card issued under my name without permission. After discussions with Citibank, I was advised to fax the letter from my previous employer stating they issued the card in error under my name to XXXX by XXXX ( Employee XXXX ), which I sent in on XXXX/XXXX/XXXX. In my letter, I requested to have a letter/documentation to their resolution and for them to contact the ( 3 ) bureaus having this adverse mark removed from my credit. I 've been denied a credit card, and am now attempting to pursue a purchase of a 2nd home which this will affect now since it 's still not resolved. I have attempted to call back again XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with no success in reaching someone that can assist, and when I ask them to review the notes on my account their suspect at best in describing my case and do n't mention anything about receipt of a letter, or their efforts in resolving this issue. Citibank has taken no interest in resolving this issue, and I feel hopeless as a consumer as Citibank reps will only take down my phone number for callbacks which are never received from management. They can reach me at XXXX, and I would like to understand as a consumer how do I repair my credit when a company is n't cooperative in the efforts???? Do I have recourse to sue for my time spent and the damage they 've continued to allow by no action on their part??? 

Sincerely, XXXX XXXX XXXXXXXXXXXX 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 07/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX # XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX / XXXX XXXX /XXXX XXXX / XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (FHA mortgage) with MIDFIRST BANK (IL).
Issue: Struggling to pay mortgage

Complaint: I have a FHA loan, Midfirst Bank is servicing the loan ... I asked for a downward modification because I lost some income, ( second job ) ..Midfirst Bank refused XXXX I made partial payments ... I explained to Midfirst Bank my payments needs adjusting according to my income. the next things I know was Midfirst Bank filed a foreclosure action against me. My mortgage agreement has FHA/ HUD guidelines pursuant to 12 USC subsection 1717f and 42 U.S.C 3535 ( d ) Title 24CFR Part 203 Subpart C- Servicing Responsibilities, including, but not limited to 203.500, 203.501, 203.600 203.604, 203.605 ( a ), 203.614 and 203.616 a ) Duty to mitigate. Before four full monthly installments due on the mortgage have become unpaid, the mortgagee shall evaluate on a monthly basis all of the loss mitigation techniques provided at 203.501 to determine which is appropriate. Midfirst Bank, never attempted to contact, XXXX XXXX to attempt to arrange a face-to-face meeting with her to discuss her options, and certainly not within 30 days prior to filing this foreclosure action, as required by HUD guidelines.

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 05/27/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Settlement process and costs

Complaint: XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX Email : XXXXXXXXXXXX Nationstar Mortgage Account Resolutions XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, XXXX. XXXX Loan Number - XXXX Complaint/Investigation - Request to Rescind the mortgage agreement Consumer Financial Protection Bureau : The reason for me filing this dispute with your agency is to request an investigation and also contest into the following statements below : 1. The mortgage company failed to disclose, read 15 U.S.C. 78c Section 10, which is a violation of Regulation Z. It is also a violation of the Code of Federal regulations 12 CFR 226.23. 


2. The promissory note " Note '' documents was not sign in the presence of any Witnesses ; and/or notarized by others with the further markings, material to the instrument not until after I originally signed. UCC 8-102. See page 3, mortgage copies of the Note, Ex. A XXXX. I also like to state I never received any signed copies of documents from the company, just unsigned copies. Attach copy of the Note documents, Mortgagor XXXX XXXX Copies XXXX XXXX Respectfully Submitted : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I have never applied for a home loan in my entire life. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX_this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report.
This is a violation of both the FCRA and FDCPA Sec 809,

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Last year I tried contacting Navient to find out how to put all my student loans on hold, get them consolidated and to let them know my family and I are displaced. I also tried this year because we are displaced, I lost my job and even sent them a copy of the homeless verification letter and termination letter. They could not get back with me last year and could not give me proper information this year. I as trying to use my taxes to get a place to stay and now can not because they have taken them. I explained to Navient about me being displaced and wanting to get help months before and was not helped. I have been contacting a number of collection agencies that do not get back with you, are no longer involved or phone numbers do not work. Borrowers should not be held accountable, especially in extreme circumstance conditions where they are trying to reach out for help and who ever is trying to collect is not trying to be compliant by meeting the borrower half way. I am looking to file a grievance and have my income tax returned so we can find a stable place to live. When I contacted the company on the letter from the Department of Treasury, they had wrong and outdated information and they just recently got my file and I have been trying to rectify the situation before it came to them. The lady XXXX ( XXXX at XXXX ) gave me an option that would not even apply to me even after I gave her time frames of our hardship. There is no way, that no one knows what is going on with my loans and can not help me be on the repayment program but can assist with garnishing my tax return months later. Also, when I spoke to Navient I also gave them the correct information and if Navient or someone else decided to input the wrong information, that is not something I should be held accountable for since I already gave the correct information. I also have my current homeless verification letter from this year but do not currently have it in front of me to submit with this documentation. Please help us.

Company response to consumer: Closed with explanation