milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Mortgage (FHA mortgage) with NATIONS LENDING CORPORATION (MD).
Issue: Credit decision / Underwriting

Complaint: I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted my paperwork two months ago to be re-certified for the REPAYE program. I 'm set to go into repayment in XXXX, and FED LOAN Servicing has still not told me what my new payment will be. When I submitted an inquiry through their website, I was given a template response indicating that my monthly payment would be over {$2000.00}. This almost more than I take home in a month, and I work in public service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Payday loan debt) with BlueChip Financial (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Defaulted on a loan from XXXX. They allegedly turned it over to XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX. Today I received a call from the XXXX County Clerk of Courts informing me that they were trying to serve me for fraud. The woman gave me another number to call " XXXX XXXX XXXX '' at XXXX. I called there and was informed that they filed a suit against me and that I could resolve it over the phone or they would see me in court. No such case has been filed. I called back and demanded their address to send a request for verification of debt. After arguing with one lady she put me on hold and another gave me their address. It 's the address for XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. This is an unlicensed attempt to collect a debt. They should be shut down and fined appropriately. XXXX should also be fined for transferring this debt to an unlicensed collector. Also I called the XXXX County number back and it was the car title division XXXX. I informed the lady that either one of their employees was working a side scam or their number was being duped.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Incorrect information on your report

Complaint: An Original Mortgage done in   XX/XX/XXXX  h as been CANCEL LED  XX/XX/XXXX . A load mo dification has been done on this mort gage  XX/XX/XXXX  for  a greater amount of sums included. I bear NO signature to this loan modification, as well as I was not aware of this being done, as I no longer resided at this address. Nationstar Mortgag e /    XXXX   XXXX   XXXX   did a loan modification on this and did not contact me in doing so. This is now on my Credit Report and I need the full amount of this unpaid balance taken off my credit. I did not sign or preform any act of modifying this mortgage. The amount is false and untrue of me owing. Once again, I bear no signature allowing this amount to be modified in my name. I need the amount of Mortgage shown on my credit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay

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 05-02-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Log on to web site to pay my home loan amount due was {$1200.00} when I chick to pay XXXX XXXX said I had to pay {$2500.00} and would not accept XXXX payment of {$1200.00} when I tryed calling sls loan sevice XXXX to pay was tranfed to collection dept and I could never get someone only voice machine left over 10 messages when finally got some one 3 days later they assured me all was well and I would not be reported to credit XXXX but I was thanks

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 02/19/2016 about Credit card () with CITIBANK, N.A. (MD).
Issue: Billing disputes

Complaint: My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.

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 11/22/2015 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have sent Equifax numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (DC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: I am currently in a  XXXX   XXXX   XXXX  with   XXXX   Assistance. I have repeatedly explained this to the creditor informing them that I do not have the ability of freedom to pay them as all of my income goes to my copay for my care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX was processing a loan modification for us, and the process took several months. We were informed they had stopped the process in order to sell the loan, then sent correspondence stating they were not going to sell the loan, so the modification process was started over. I had to inform them ( XX/XX/XXXX ) that my husband was hospitalized and I was diagnosed with XXXX. All of a sudden we were notified that the loan was sold to Green Tree. Green Tree immediately started another modification which did not go through ( apparently because XXXX had recently ended one ) and they entered us into a repayment plan, to begin on XXXX XXXX, XXXX. Then Ditech and Green Tree merged apparently ... ( Green Tree was involved in major fraud lawsuits ). We completed the repayment plan as outlined in writing XX/XX/XXXX, under Ditech. We paid {$17000.00} to DITECH ( when supposedly we only owed {$13000.00} ) We did not receive a bill in XXXX so we called to find out what was going on, since we had completed all of the balloon payments in the plan. At this time we were informed Ditech was foreclosing on the house without any explanation. They started another loan modification XXXX XXXX, XXXX, and we received a letter Saturday, XXXX XXXX, XXXX stating again that they are foreclosing without any negotiation etc, and the letter is dated XXXX XXXX, XXXX ( but postmarked XXXX XXXX ). It is all over the internet that these companies inlcluding XXXX, Green Tree and Ditech are committing mortgage fraud and have been sued. Many people do no have the financial resources to fight XXXX XXXX, who owned Green Tree and owns Ditech. We are struggling to get a lawyer at this time and would appreciate your intervention, or any help you can provide. You can find a sampling of very simmilar cases listed here on XXXX : XXXX We definitely believe we are victims of Mortgage Fraud, and that they are simply foreclosing on our property instead of negotiating to collect the " insurance '' they have through XXXX XXXX . We also have no idea when we supposedly got a " XXXX XXXX '' loan, we were not aware we had anything other than a normal mortgage until all this happened. We have ALL THE PAPERWORK, CORRESPONDENCE AND BANK STATEMENTS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: It is showing that I have a bill from charter communication in XXXX tn from XXXX and I have lived in XXXX TN since XXXX. I 've never had charter communication.

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 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked.

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.

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 02-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo foreclosed on my home on XXXX/XXXX/XXXX. The foreclosure was performed by XXXX XXXX XXXX a Trustee who went out of business in XXXX, this action was followed by the foreclosure attorney 's XXXX XXXX XXXX closing their office. However, Wells Fargo foreclosure department is still providing a non working telephone number for XXXX XXXX XXXX ( XXXX XXXX XXXX, this number was given to me when I called to request a rescission of my foreclosure. We applied numerous times for a loan modification with Wells Fargo Bank without any results. Months would go by without any response from Wells Fargo wherein, we would submit another application for a loan modification. Both my wife and I have never spoke with our Point of Contact XXXX XXXX despite numerous messages left for him in response to the letters we received from Wells Fargo Bank. We received a one XXXX 1 XXXX year loan modification from Wachovia in XXXX, for {$2100.00}. However, Wells Fargo did not accept the previous loan modification nor did they offer us any alternative as evidenced by their application of our mortgage payments. WFB sent a Notice of Intent to foreclose dated XXXX XXXX, XXXX, despite having received a mortgage payment in XXXX XXXX, and applying XXXX payment out of the unapplied funds. Throughout the loan modification process we do n't remember receiving a formal denial letter from Wells Fargo Bank. We have formally requested a rescission of the foreclosure executed on XXXX/XXXX/XXXX, however, Wells Fargo has responded that they could not do anything because the foreclosure was held on XXXX XXXX, XXXX? We have included a postponement notice which states that the foreclosure sale will be held on XXXX XXXX, XXXX. As a former Wachovia Mortgage borrowers and has XXXX members we were entitled to receive notice of the Class Action which we did not, and Wells Fargo was required to review our loan for XXXX as our loan amount was eligible for XXXX XXXX XXXX. All we received was the runaround and non communication from Wells Fargo Bank, till this day, we have no idea who the investor is or if the Trustee 's California location was open or functional at the time of the foreclosure. Please review WFB letters to us none of them make reference to our loan modification being denied on a specific date, this confirms the fact that we never received a formal denial.

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 01-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Application, originator, mortgage broker

Complaint: TO WHOM IT MAY CONCERN XXXX AND XXXX XXXX WHO LIVES AT XXXX XXXX XXXX XXXX XXXX PA XXXX FELL ON HARDSHIP WITH OCWEN FEDERAL BANK IN 2010 WE WERE ONLY THREE MONTHS BEHIND WHEN WE CONTACTED OCWEN FEDERAL BANK TO HELP US CATCH UP ON OUR MORTGAGE. THEY SAID THAT WE WAS ELIGIBLE FOR IN HOUSR MODIFICATION LOAN WE FELL ON HARDSHIP BECAUSE THE CO SIGNER OF THE LOAN XXXX XXXX XXXX HAD PASSED AWAY AND XXXX XXXX XXXX AND LOST HIS JOB AND XXXX XXXX HAD XXXX SURGICAL PROCEDURES DONE ON HER. WHEN WE FILED FOR THE MODIFICATION LOAN, WE WERE DENIED BECAUSE THEY SAID THE INVESTORS DOES N'T DO MODIFICATION LOAN, AND THEY STOP TAKING MONEY FROM US FOR THE MORTGAGE.WE REQUEST FOR ANY INFORMATION ABOUT THE INVESTORS THAT IS HOLDIN On THE LOAN THEY SENT US A WRITTEN PAPER SAYING THAT ITS US BANK WE WROTE TO US BANK AND THEY TOLD US THAT IT WAS UP TO OCWEN TO GIVE US THE MODIFICATION LOAN. NOW THAT WE ARE 5 YEARS BEHIND NOW, AND OUR INTEREST RATE IS 13.5 % WE FILED FOR BANKRUPTCY A COUPLE OF TIMES AND THE MONEY THAT WAS PUT ON THERE, WAS SUPPOSED TO GO TO THE MORTGAGE AND THE TRUSTEES. WE ARE LIVING IN THIS HOME FOR 15 YEARS. AND I ASK THEM FOR A WRITTEN BREAKDOWN OF HOW MUCH WENT TO MY LOAN, THEY TOLD ME XXXX $ WENT TO THE LOAN AND XXXX $ WENT TO THE PRINCIPAL AND THE INTEREST RATE KEEPS GOING UP. THE LOAN THAT XXXX XXXX XXXX TOOK OUT WAS ONLY XXXX . NOW BEINGS THOUGH THAT THEY WAITED FOR US TO GET FAR BEHIND WE ARE NOW WORKING WITH A HOUSING COUNSEL AT THE XXXX HOUSE. HER NAME IS XXXX WE APPLIED FOR SEVERAL MODIFICATION LOANS AND THEY KEEP SAYING THEY CAN REFER US TO OTHER PROGRAMS THAT MIGHT HELP US TO BRING OUR LOAN CURRENT, AND THEY ALSO TOLD US TO PROBATE THE ESTATE AND WE COULD ASSUME THE LOAN. THEY HAVE NOT LET US YET TO ASSUME THE LOAN AND THEY WILL NOT GIVE US A MODIFICATION LOAN, NOW WE TRY TO APPLY FOR A HEMAP LOAN. THEY PUT OUR HOUSE UP FOR SHERIFF SALE 3 OR 4 TIMES AND THEN CANCEL THE SHERIFF SALE. EVERYTIME THEY DOES THIS IT COST US {$8500.00} NOW ITS GOING UP FOR SHERIFF SALE FORECLOSURE FOR XXXX XXXX. THEY GAVE US A RELATIONSHIP MANAGER TO SPEAK WITH AND HIS NAME IS XXXX WE ARE REALLY TRYING TO SAVE OUR HOME, AND HE SEND OUT ANOTHER MODIFICATION PACKAGE TO FILL OUT. NOW SINCE THEY WILL NOT HELP US WE HAVE AN OUTSTANDING BILL THEY SAY FOR {$86000.00} HALF OF THAT IS FORECLOSE COSTS ATTORNEY COSTS, AND I DONT THINK THAT ITS FAIR THAT WE CAN NOT GET A MODIFICATION LOAN WHEN US BANK AND OCWEN BANK DOES MODIFICATION LOAN THEY NEVER TOLD ME WHO THE INVESTORS ARE. WE SPOKE WITH THEIR ATTORNEY AND HER NAME XXXX XXXX AND SHE SAID ITS UP TO OCWEN TO GIVE US A MODIFICATION LOAN.WE NEVER HAD A MODIFICATION LOAN BEFORE. AND WE ARE ASKIN CAN YOU PLEASE HELP US WITH THIS MATTER SO WE CAN STAY IN OUR HOME. THANK YOU XXXX AND XXXX XXXX IF YOU HAVE ANY QUESTIONS YOU CAN CONTACT US AT XXXX XXXX XXXX THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I sent this to Experian and they have yet to delete it. I have sent them my SSN and utility bill and also birth certificate in the past. They refused to delete these wrong names, addresses, and employment history. They told me on the phone that It was reported by collectors or third parties rather than myself. That is in violation of the FCRA and I am tempted to sue if this is not resolved. I am keeping a paper trail. Why is it that Experian is refusing to delete this simple information when XXXX and XXXX will?? 
Something is seriously going on illegal with Experian and I am going to let every agency know!!!! 

remove innacurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OTHER INACCURATE INFORMATION Delete these addresses : XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX remove employers that are innacurate : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Credit card () with U.S. BANCORP (DC).
Issue: Other fee

Complaint: Purchased trip insurance from XXXX XXXX. The site allows you to enter your home country so it is clear that it is a worldwide organization, but I purchased the policy in US dollars and the policy is a US policy, " XXXX '' underwritten by XXXX, a US company. My credit card company US Bank charged me a foreign transaction fee for a US dollar transaction because the parent company is located in XXXX, XXXX. If I 'd know that I would be charged this fee, I would have used a different card that charges no foreign transaction fees, rather than earning miles on my usual credit card. Online reports say this is happening more and more often, with airlines that book you on overseas partners with US dollar transactions, or airline resellers like XXXX. I called the insurance company ; they say it 's not their problem because they ca n't tell people they are a foreign company since some of their customers reside in XXXX, their home country.

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