milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We were foreclosed on by NationStar Mortgage last XX/XX/XXXX. We were denied our due process rights by them. We were in a loan modification process with them when I was told that we had been denied. NationStar told us not to make any payments during this time frame as it would only XXXX up the process and would take more time to complete. I called Take XXXX XXXX, a credit counseling company, that I had been working with and asked, " What do we do now? '' They said not to worry, the state of Arizona has a program for this scenario where they make up the past due amount and the loan resumes as if nothing had happened. We just needed something in writing from NationStar stating we had been denied. 

I continued to call them every week to check the status of our property and the notification of the denial and to see if a sale date had been set yet. I kept getting told that things were " On hold. '' In XX/XX/XXXX a woman came to our front door and said she was the new owner of our house. This came out of the blue with no notification at all. If we had received something in writing this would have all been averted. We never received a thing in writing from them. We were evicted!!! 

I am realtor and just found out about your agency in a continuing education class this past week. Please help us, ASAP!! We are now in a rental and our landlords are also mortgaged with NationStar, they are in an interest only loan and want to refinance it at current interest rates but are being denied that option. Our landlords have told us they need to have something setup by the end of XXXX to allow us to stay here. I was recently hospitalized for XXXX, XXXX and a XXXX. I was involved in a XXXX car crash on the freeway shortly thereafter and have been under the care of a XXXX for XXXX and XXXX. Any move in the future would simply kill both of us. I am XXXX and my wife is XXXX. 

We had owned the property in XXXX for 20 years. It was always kept in pristine condition and that is same way we are taking care of this home now.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Written Equifax Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail Equifax XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, 1997 When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CMI Group, Inc. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted the company and they did nothing about it. CREDIT MANAGEMENT LP XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX CREDIT MANAGEMENT - {$390.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX - {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$100.00}, {$260.00}, {$140.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2015 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get modification for months and I have submitted the same documents over and over again. I have just learned that my house is scheduled to be foreclosed on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Transworld Systems Inc XXXX TSI XXXX., a collection agency ( XXXX ), has not contacted me regarding a medical debt that this CA is reporting on my consumer credit file. This agency is in violation of the FDCPA for not disclosing my rights to dispute this debt. 

TSI is in violation of XXXX laws pertaining to reporting " medical debts '' to the ( XXXX XXXX Credit Reporting Bureaus before XXXX 6 XXXX months of last payment and not allowing sufficient time for my medical insurance to cover the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with First National Collection Bureau, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (IL).
Issue: Incorrect information on your report

Complaint: XXXX   XXXX  had a note with Nationstar. The balloon payment was coming due as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  contacted  Nationstar  in  XXXX  of  XXXX . Nationstar advised  XXXX   XXXX  to continue making his monthly payment and Nationstar would work with him on getting the balloon payment refinanced.  XXXX   XXXX  continued to send monthly payments in  XXXX ,  XXXX ,  XXXX  and  XXXX . In  XXXX  Nationstar returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and they would no longer accept payments.  XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit reporting agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 days delinquent even though  XXXX   XXXX  made the payments.   We contacted  Nationstar  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However, Nastionstar made an aoral agreement to accept payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make the payments. The credit report however says he failed to make the  XXXX  payment in the amount of {$770.00}, despite the fact that he make a payment of {$800.00}. Further he sent Nationstar the  XXXX  and  XXXX  payments, Nationstar is reporting them not made because they were returned. We have disputed the information with Nationstar,  XXXX ,  XXXX , and   XXXX  .  Nationstar  continues to insist the reporting was correct despite having received the payments in  XXXX ,  XXXX , and  XXXX  and being proved proof of the sent payments.  XXXX   XXXX  has been denied credit because of the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Credit card) with CITIBANK, N.A. (AR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Case number : XXXX this case has been submitted but now the debtor refuses to return phone calls to me or my lawyer. but he also refuse to validate the debt to me also. so this is been going on since XXXX he has been game after the other. We at this point if Citi would make a offer just pay it so the game playing would stop, yesterday citi had the paid judgement remove form my credit report they do n't know which end is up or if paid or not no mention was made why they reported paid. I want to settle and move on preferably citi and can pay there attorney since they wont return phone calls or letters they may answer 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 02/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan reverted to the original predatory note from XXXX XXXX XXXX XXXX. I have asked via my rights under respa to understand for 90 days with no response : 1. Why my payment is going from XXXX to XXXX with no notice and why I was told my mortgage would adjust to XXXX ( in writing ) and then it went to XXXX. 
2. Detailed Itemized Summary of payments and fees that have caused my loan to go from XXXX to XXXX in principle. I am told no history exists and they can not provide the exact details of what fees were charged.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: This a Notice of Default because Wells Fargo failed to respond Wells Fargo has failed to produce and respond to 5 ( Five ) Qualified Written Request and the Verified Affidavit from XXXX XXXX XXXX sent to them in 2016 regarding the issues that were found In the assignment that were sent through Consumer Financial Protection Bureau, XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX, Office of Comptroller of the Currency, US Department of Justice and XXXX XXXX XXXX Furthermore, Wells Fargo has not adhered to the OCC Consent Order and has violated consumer protection laws.. Until the issues raised have been resolved indefinitely, XXXX, XXXX and XXXX XXXX and Wells Fargo, need to postponed and a cancel of the sale slated for XXXX XXXX, 2016. 
They are violating the Fair Debt Collections Practices Act I 'm enclosing the recorded Verified Affidavit from XXXX XXXX XXXX and Qualified Written Request.

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 12-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had homeowners insurance on our loan since we bought our house approx. 13 years ago. we changed insurance companies to state farm insurance. we changed XX/XX/2015. we were double covered until the end of the month. we have not had our insurance laps. America servicing company had been reported that we were changing and the new policy was sent to them by state farm on XX/XX/2015. I got lender based insurance info sent to me by them so I contacted them again and gave them the insurance company, and policy number, called state farm and had the policy resent to them. Come to find out they set up a escrow account and started charging me more for my payments. They have been contacted at least 7 times on this. They have taken extra monet from me which I feel they stole from us on a fraudulent basis. They were asked if they would give me a copy in writing on how long they have been taking it and I have been dealing with this for months with the mortgage company still not giving me the paperwork. I have had insurance and I want the money back they took from me on a fraudulent basis. I keep getting passed around to case managers on this just delaying it and it seems like hoping I will just give up and let it go. They took money from me on a fraudulent basis. I do n't care if it was {$0.00}, they were not entitled to it. I was insured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

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 09-08-2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: Dear Consumer Financial Protection, I had a {$10000.00} secure credit card with Wells Fargo. They keep my funds to use as collateral. However, I do not receive any interest from them for them keeping this {$10000.00}. What I am surprise at is that when I make payments it does not being applied to the old transactions first WHICH I AM BEING CHARGED INTEREST ON even though they are holding {$10000.00} which I collect no interest from but on top of that payments I made are being apply to most recent transactions which accrue less interest. I have paid over {$450.00} in interest at least and get no interest from the collateral they hold which is a double whammy.

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 12-06-2016 about Consumer Loan (Vehicle loan) with COMPUTER SCIENCES CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I called to make the XX/XX/XXXX payment on my account. I verified that the payment would only be for the amount due in XX/XX/XXXX, but the customer service rep charged y my debit card double ( both the XX/XX/XXXX payment and for the payment due mid XX/XX/XXXX ). She said that there was an issue with the computer system, but when I spoke to the supervisor she told me that it was human error. I let them know that they have over drafted my checking account and left me with negative money in my account weeks before XX/XX/XXXX. They advised that they are not able to void the charge but they can have a paper check out to me in XXXX weeks!!!

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 Debt collection (Medical debt) with RSH & Associates, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Upon reviewing my credit report I noticed accounts from RSH AND ASSOCIATES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medical information to RSH. I requested FULL documentation of what was received from the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. RSH has NOT complied AT ALL with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MD).
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: 1. I opened a business credit card account with Chase Bank for a small XXXX service organization called XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX or XXXX. 

2. Transferred everything in the business to XXXX XXXX, the new director of XXXX, in person, with him present, at the XXXX ( XXXX XXXX ) branch of Chase Bank. Left the business and the state in XXXX XXXX. 

3. In XXXX, I received a notice indicating that I was still a responsible party on the XXXX credit card and owed some money. After a great deal of talking, emailing, FAXing and US mailing of documents, including to and from XXXX XXXX, and the bank 's fraud department, all of which Chase now denies ever happened, I was ASSURED that I was no longer responsible for the credit card account. This was confirmed since there was no further discussion of my owing anything. 

4. Now, two years later, I am told that I owe over {$3000.00}, that I am delinquent in payments I knew nothing about and the card is now revoked. XXXX agrees that he owes the money, fell behind on the payments and states that he was NOT aware that I would be held responsible. The bank continues to repeat the party line that there has never been any communication and that I am responsible and liable for anything on the card.

5. My credit rating, built up over many years of careful management, plummeted from XXXX to less than XXXX, and now hovers around XXXX. 

6. I was in the process for several months of buying the condo that I rent, through a veterans ' specialty realtor, and now the process is completely stalled. I may lose the opportunity and have to move into another rental.

7. I am a XXXX-era veteran with XXXX XXXX XXXX. Some of symptoms preclude me from being organized and keeping thorough records, even on computers. I do n't believe Chase Bank has the same problems. I believe they have known full well that I am no longer the signatory on that account, are lying in order to get paid and do n't care if they ruin my credit or my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a  XXXX    XXXX   credit card in which I also purchased insurance for back  XXXX   XXXX . The insurance was to cover and pay my bill in full in the event of job loss, injury, etc. According to the creditor, the account was closed in  XXXX  which is correct because I lost my job and applied the insurance I would not have been responsible for the bill in which the insurance DID PAY. I made the payments that were required by me until the insurance paid the bill in full. However the creditor is showing on my credit report that I had  a 30 30 60 90 late p ayment in  XXXX  after 6 months in which I was no longer responsible for the bi ll. Two t hings are wrong here the contract by the creditor was breached and the reporting is inaccurate. I have called the credit reporting agencies and the creditor and this is still showing incorrect on my credit report. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: victim of identity theft and fraud I have never establish credit or lived outside XXXX before 2014

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: HELLO, I HAVE NEVER HEARD FROM THIS COMPANY, NEVER HAD ANY COMMUNICATIONS WITH THEM ; AND OUT OF THE BLUE, THEY REPORT ME TO CREDIT COMPANY, XXXX XXXX DOLLARS. THEY HAVE VIOLATED MY RIGHTS TO VALIDATE OR DISPUTE THIS ISSUE AND WHEN I SPOKE TO A CONSULTANT, XXXX, HE SAID THEY WERE MAILING IT TO MY PREVIOUS ADDRESS WHICH IS UNTRUE, BECAUSE MY MAILS FORWARDED TO THIS ADDRESS MY ACCOUNT NUMBER WITH THIS COMPANY WHICH THERE REP GAVE ME IS XXXX

Company response to consumer: Closed with explanation